Secured personal loans. We can help if you are looking to raise finance, whatever your current financial status. Compare secured and unsecured loans. We aim to complete quickily and offer the lowest interest rates

Raise money tp improve your home with a secured personal loan. We will get you the lowest interest rates

 

Secured personal loans

What is a secured personal loan?

A Secured Personal Loan is a loan which is made by a lender on condition that a house is used as security. A charge is put on the property until the loan has been repaid in full - the charge is then released. It works much the same way as a mortgage, and gives the lender the security that it will be able to recoup its money if the borrower will not or cannot repay the loan in the normal way.

Why take out a secured loan?

You may be thinking, "Why would I take out a secured personal  rather than an unsecured loan?"

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There are several good reasons for considering a secured loan rather than an unsecured loan

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Compare secured and unsecured loans

  • Because a lender uses property as security, it is much more likely to grant a secured loan to somone with a poor credit history, and for the same reason, secured loans are often available at lower interest rates than unsecured loans. This obviously helps with  being able to afford the loan repayments.

  • Unsecured loans are only available up to a maximum amount of £25,000, whereas secured loans are available up to a maximum of £250,000, so you are able to borrow a larger amount if necessary.

  • Unsecured loans usually have to be repaid within a short time, the maximum is usually 7 years. Secured personal loans allow you to spread the payments over 25 years or 30 years, meaning that monthly payments can be reduced as there is more time to repay the loan.

  • Unsecured loans are usually not available to people with a bad credit record, such as mortgage arrears, CCJs (county court judgements) or defaults. Secured peronal loans are available to help people with a bad credit history.

Find out the cost of a secured personal loan

A downside of secured loans is that not everyone has a house as security so only homeowners are eligible. Also, a borrower risks losing their property if they fail to make timely repayments to the lender.

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By releasing equity in your house, you can raise money to pay off other debts, carry out home inprovments that will make a difference to your lifestyle and increase the market value of your property.

what is a Home improvement loan? How much can I borrow?

You will be able to borrow an amount which will depend on

  • the value of your home
  • the balance on your mortgage
  • your personal credit history.
  • your income and outgoings


** to find out the cost of a
secured personal loan - click here **

  

Contact us and we will give you a quote. Remember, there is no obligation on your part. Complete the contact form, or call us on 0800 848 8011

compare secured and unsecured loans Our Promise

As a company, we only get paid if we successfully get your loan paid out. We will endeavour to find the most suitable loan for your individual circumstances, and we will do everything we can to get your Home improvement loan paid out as quickly as possible.

We are in the business of helping you get your loan. If you don't get  your loan, we don't get paid - it's as simple as that. That is why we try our very best to get your personal secured loan paid out as quickly as possible.

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All loan applications will be treated confidentially.
You will never pay any up front fees or be charged for cancelling an application.

LOANS 10.8% APR TYPICAL

WRITTEN QUOTATIONS ON REQUEST. LOANS SUBJECT TO STATUS AND SECURED ON PROPERTY. THERE WILL BE A FEE FOR ARRANGING LOANS, TYPICALLY BETWEEN 0%-10% OF THE AMOUNT BORROWED.

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 DEBT SECURED ON IT.

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Reduce your outgoings with a secured personal loan