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A secured loan allows homeowners to borrow larger sums at lower rates by using their property as security. Whether you’re funding home improvements, a wedding, a new car, or consolidating existing borrowing, a secured loan can provide the flexibility you need with repayments structured to suit your budget.
We assess a broad range of lenders, explain your options in simple, jargon‑free terms, and support you from your initial enquiry through to receiving your funds. Whatever your goals, we’re here to make the process smoother, clearer, and far less stressful.
FAQ
Secured loans, also known as homeowner loans, are loans secured against your property. Secured loans are ideal if you want to borrow a large amount of money and are usually used to consolidate existing credit or to make home improvements.
Because your property is provided as collateral for the loan, loan providers see you as less of a risk. However, your home could be at risk if you are unable to repay the loan.
You need to be a homeowner with an existing mortgage. Your mortgage is the first charge on your property, and a secured loan is a second charge.
Secured loan amounts are available from around £10,000 to £500,000 but if you have a request that is outside this range, we may still be able to help on a referral basis. Please contact us and we will do our best to help you.
It can vary from loan to loan but from the day you call us, we aim to complete your loan in just two weeks and we will always keep you informed throughout the process.
If you would like to increase the amount you wish to borrow, simply contact us to discuss your options.
Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.