Our Process really is that simple...
Complete the Online Enquiry Form
We need some details to make sure you’re eligible
Speak with an Expert
When an expert gets in touch, you’ll discuss your requirements and explore the best loan options tailored to your needs.
Choose Your Loan
Take your time to review the options. Once you’ve made your choice, the right specialists will take care of everything and ensure the process runs smoothly.
What is a secured loan?
A secured loan, also known as a homeowner loan or second charge mortgage, is a type of loan where you borrow money and use an asset like your home as collateral. This means that if you fail to repay the loan, the lender has the right to seize the collateral to recover their money.
What are Secured Loans for?
Home Improvements
Education Costs
Business Expansion
Debt Consolidation
Car Finance
Wedding/Holiday
How Secured Loans Work
- You borrow a certain amount of money and agree to repay it over a set period.
- The loan is secured against an asset, such as your property.
- If you fail to repay, the lender may use your asset to recover the debt.
Benefits of Secured Loans
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Borrow More Money
Secured loans allow you to borrow large amounts of money. -
Longer Repayment Periods
You can spread the loan repayments over a longer time, making monthly payments more manageable. -
Lower Interest Rates
ince the loan is backed by collateral, lenders often offer lower interest rates.
Can I get a homeowner loan with bad credit?
It’s harder to get approved with bad credit, but it’s not impossible. Lenders may still consider your application if you have a valuable asset, like your home, as security. Taking out a secured loan and staying on top of your payments could boost your credit score, which may make it easier to get credit down the line.
What are the interest rates on secured loans?
Interest rates on secured loans vary depending on the lender, loan amount, and your financial situation. It's important to review multiple options to ensure you find the most suitable loan for your needs.
Is it free to apply for a secured loan with you?
Yes, applying for a secured loan through us comes at no cost to you, and there’s no obligation to accept any quotes from our partners.