Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED 
IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
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Terms and Conditions apply. Actual APR charged will be determined by the lender you are placed with. Typical 12.9% APR variable. Actual time to approve your loan will depend on your credit score results and who the loan lender is. You should be aware there is a very high chance that you will be credit checked as part of your application by the lender(s). We do not credit check you ourselves. 


Secured Loans

Secured Loans

Secured Loans
Consolidation Loans

The most popular reason for borrowing. If you have numerous store cards, personal loans, payday loans, hire purchases and credit cards there is a good chance that you could reduce your monthly payments by clearing them all with a secured loan. The lender would arrange all of this for you - making sure you have the full settlement figures for all of your outstanding debts. They would then either clear the credit direct or issue you with the cheques to send out the companies you owe finance to. It is important to realise that to do this you may end up paying more back, in interest, over a longer term so this must be compared against the need for lower monthly payments before making a final decision.

Home Improvement Loans

Conservatory, extensions, double glazing - the list is endless. A home improvement loan is, as the name suggests, used to fund improvements to your property. These can range from massively dramatic improvements to simply getting a new central heating system.

Wedding Loans

One of the most expensive things that can happen in your life is paying for your wedding - or paying for your daughter or sons wedding! Sometimes it simply isn't practical to find the finances to pay for this wonderful day (and possible honeymoon!) so a loan could be considered as an option to ensure it is paid for over time.

Holiday Loans

Clearly the cost of a holiday can range massively but by borrowing towards a holiday you can also incorporate spending money that you would need while travelling. Despite being one of the lesser reasons for applying for a loan, loans for a holiday are becoming more frequently applied for.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED 
IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Typical 10.4%APR Variable

Representative Example: If you borrow £70,000 over 20 years at a rate of 9.60% variable, you will pay 240 instalments of £684.61 per month and a total amount payable of £164,306.40. This includes the net loan, interest of £91,311.40, a broker fee of £2995.00 and a lender fee of £0.00. The overall cost for comparison is 10.7% APRC variable.

Your application will be referred to a loan broker who will access the Secured Loan Lenders they have available.

Secured Loans Discussions and Questions

Secured Loans Discussions and Questions

Everything about Secured Loans

Unsecured Loans
Secured Loans are often referred to as homeowner loans - as such they are only available if you own your own property - this can be either outright or with a mortgage. You do not have to live in the property you own to get a secured loan on it - a loan can be secured on a rented, buy to let, home.

Because a secured loan offers a level of security to the lender this type of loan can often be a really good option if you have been declined other types of loans or it is not practical, or too expensive, to re-mortgage. Sometimes changing your mortgage can cost you a large amount in fees that secured loans can help you avoid.

Typically people with credit problems in the past, the self employed or people with a lot of existing credit can have difficulty in being approved a personal unsecured loan so these secured, homeowner, loans offer a different option. Discharged bankrupts, those with CCJs and defaults can still apply for a home loan.

Loan amounts can typically be anything from £5,000+ with the ability pay back over anything between 3 years and 30 years. There is generally a degree of flexibility with a secured loan also - some lenders will allow you to pay back early and also transfer it to a new home if you decide you may move house in the future. Secured loans offer many options inculding flexible or fixed interest rates.

When looking to borrow - we are everything loans