Secured Loans
Unlock the equity in your property with flexible secured loans. Competitive rates, larger amounts, and repayment terms to suit your needs.
What are Secured Loans?
Secured loans, also known as homeowner loans or second charge mortgages, allow you to borrow money using your property as security. This type of loan is ideal when you need to raise a larger sum of money and benefit from more competitive interest rates than unsecured lending options.
Because the loan is secured against your property, lenders can offer larger amounts and longer repayment terms. However, it's important to understand that your property is at risk if you fail to keep up with repayments.
Larger Loan Amounts
Borrow from £10,000 to £500,000+ depending on the equity available in your property.
Flexible Terms
Spread your repayments over 3 to 35 years, making monthly payments more manageable.
Keep Your Mortgage
No need to remortgage or lose favorable rates on your existing mortgage deal.
Competitive Rates
Lower interest rates compared to unsecured loans and credit cards, saving you money.
Common Uses for Secured Loans
Home Improvements
Fund extensions, renovations, or significant repairs to add value to your home.
Debt Consolidation
Combine multiple expensive debts into one manageable monthly payment with a lower interest rate.
Business Investment
Raise capital for business opportunities, expansion, or working capital requirements.
Vehicle Purchase
Buy a new or used vehicle without depleting your savings or taking expensive car finance.
Special Occasions
Fund weddings, family celebrations, or once-in-a-lifetime experiences.
Education Costs
Support university fees, training courses, or educational expenses for family members.
Why Choose a Secured Loan?
Advantages
- Lower interest rates than unsecured loans
- Borrow larger amounts
- Longer repayment terms available
- Keep your existing mortgage
- May be available with poor credit history
Considerations
- Your property is at risk if you don't keep up repayments
- Total interest paid may be higher over longer terms
- Application and valuation fees may apply
- Early repayment charges may apply
Typical Loan Terms
Loan Amounts
From £10,000 to £500,000+
Loan-to-Value
Up to 85% of property value (including existing mortgage)
Interest Rates
Typically from 3.5% to 15% depending on circumstances
Repayment Terms
3 to 35 years available
Terms vary based on individual circumstances, property value, and lender criteria. We'll help you find the most suitable option for your needs.
Get Expert Advice
Contact our secured loans specialists to discuss your borrowing needs and find the best solution for you.
Why Choose Us?
- Whole-of-market access to lenders
- Expert advice tailored to you
- No obligation consultation
- Clear, transparent advice