Find Your Perfect Secured Loan in Just 30 Seconds!

Flexible, low-cost secured loans for mortgageholders. Got a mortgage? Get peace of mind

Why Choose Us for Your Secured Loan?

When it comes to finding a secured loan, you need expert guidance and reliability. Our qualified mortgage advisers specialise in finance agreements that accommodate both a strong and poor credit history.

Whether you aim to settle unsecured debt or simply need additional funding, we offer flexible terms and manage the risk for lenders through thorough evaluations of your personal circumstances and the maximum loan term available.

We Listen

We carefully review your individual circumstances, including your credit history and chosen loan terms, to recommend the ideal personal loans for your needs.

We Inform

From credit scores and second-charge mortgages to the application process for an unsecured loan, we keep you informed about credit requirements and potential opportunities.

We Help

Our team specialises in secured lending - even if you have a bad credit history. We’ll establish a clear repayment plan, organise monthly payments that fit your budget, and liaise with a trusted secured loan lender to ensure a smooth loan repayment process.

Ready to Get Started?

Already a UK homeowner? Curious if secured homeowner loans or bad credit loans fit your needs? Tap into our adverse credit plans or explore other borrowing options via our extensive lending panel. As a reputable credit broker, we’re here to help you find the best deal.

Why Now is the Time to Get a Secured Loan

Why wait? Our friendly team is here to guide you through multiple finance options, from soft credit searches to flexible loan amounts. We’ll explain any arrangement fees, broker fees, and other potential costs, making sure you pick repayment periods that align with your financial situation.

Fast Application: Quick, simple, and efficient.
Accessible for All Credit Types: Even if you have a bad credit rating, we’ll work to find solutions.
Transparent Costs: We clarify credit checks, monthly payments, and any fees upfront.
Flexible Options: Borrow from £10k to £2.5m or up to 100% of your home value.

Ready to begin? Take our 30-second quiz to discover your best loan options!

Get Access to Great Finance in 3 Simple Steps...

What is a Secured Loan?

A secured loan uses one of your valuable assets – usually your home – as collateral for lenders, resulting in reduced risk for the lender. It’s one of the most popular types of loans in the UK, especially if you need larger amounts or a way to manage monthly repayments more flexibly. A secured loan can also help your credit score improve over time, unlike some forms of unsecured credit.

How Does the Secured Loan Process Work?

Our secured loan application process is straightforward, accessible via an online form, and driven by soft credit searches to protect your credit score. We also break it down into simple steps, so you’ll never feel lost when sorting out your repayment term, variable rates, or fixed-rate term. We’ll explain any arrangement fees, broker fees, and how we arrive at a lending decision – guiding you all the way down until the approval.

Step 1: Receive an Indicative Quote

Enter your preferred loan amounts and desired monthly loan repayments, and we’ll run credit checks to provide an indicative quote. We consider your income, outgoings, and borrowing limits to ensure the best match for your circumstances.

Step 2: Expert Guidance

Our specialists clarify any additional costs, such as valuation fees or the implications of your application details. We’ll also confirm your maximum term and review any lender fee that might apply.

Step 3: Get Your Loan Approved

Once everything is in place - including your secured asset as collateral - we push for final approval and help you complete application details. Your property serves as collateral in exchange for the loan, giving lenders added security.

Benefits of a Secured Loan for Mortgage Holders

Larger Amounts: Perfect for big expenses like renovations or debt consolidation.
Cheaper Interest Rates: Compared to unsecured borrowing, flexible terms can keep costs down even if you have a bad credit rating.
Collateral for Lenders: Using your property allows for monthly instalments and longer-term loans, often at more attractive rates.

What are the Risks of Secured Loans?

Types of Secured Loans We Offer

Debt Consolidation Loans

Ideal for combining unsecured debt, such as credit card bills or other credit commitments, into one manageable plan. This could reduce monthly repayments and free up disposable income via debt consolidation.

Homeowner Loans

Tap into the equity in property if you have a current mortgage, working alongside your mortgage lenders to secure a better mortgage rate or lump sum. A homeowner loan can fund anything from business ventures to major family milestones.

Home Improvement Loans

Transform your home with equity loans designed to fund upgrades. A thorough property valuation can help you secure a favourable rate and choose a suitable repayment term. Once you’re ready, our team expedites loan approval so you can renovate without delay.

What Customers Say About Their Experience

We are proud of what we do and that is reflected in what our customers say about us. Below is a list of the feedback we get through Feefo. We hope you’ll find that we do what we say we will, that we’ll listen to your needs, inform you of the best way forward & help you get to where you want to be.

Frequently Asked Questions

What is the difference between secured and unsecured loans?

Secured loans require a property or other collateral for lenders, often with fewer strict credit requirements. In contrast, unsecured loans don’t require assets but typically come with higher interest rates and stricter loan terms.

Can I get a secured loan with bad credit?

Yes. Even if you have a poor credit history or need adverse credit plans, a secured loan’s reduced risk to the lender – thanks to your secured asset – may allow you to qualify. It can also help improve a bad credit record if you maintain timely repayments.

What happens if I move home?

For charge mortgages, the outstanding balance may need settling with your mortgage provider, or you can potentially transfer the secured loan to your next property. It depends on your current mortgage balance and if any lender fee applies.

Can I pay off a secured loan early?

Many lenders permit early repayment, but you might face repayment fees or exit penalties. Review the terms carefully before finalising your lending decision.

What are the risks of a secured loan?

Late monthly payments can jeopardise your secured asset and lead to missed repayments on your credit file. Always consider whether you can keep up with the arrangement, especially since you’re using your property as collateral.

Is this different from remortgaging?

Yes. People choose to remortgage at the end of a fixed period in order to get the best mortgage deal for them. Homeowner loans are excellent for people that have a mortgage and do not want to remortgage (either because of poor credit or because they will incur a penalty for early repayment). A homeowner loan can fund renovations, purchases & debt consolidation with no penalty for early repayment: you can then repay the loan in a timescale that suits.

How do you make money?

We are paid a fee by the lender. This fee has no impact upon the cost of the lending to you or the rate that you will pay.

Why do I need to speak to someone? Can’t I just do this online?

Every case is a little different, and with hundreds of lenders and thousands of products available, it is important to speak with our whole-of-market experts to ensure you are matched to the most suitable and competitively priced product.

Our team specialise in adding value. By speaking to one of our team, you may discover there’s a better way to arrange your finances, with greater flexibility and a far more competitive rate available.

A solely online lending experience would not allow us to get to know the individual behind the situation, which in our view, is one of the most important factors in decision making.

Equally, by speaking with you directly we can better understand your long-term goals, for example, we may be able to arrange for a loan that fits with your future plans (ie remortgaging at a particular point, repairing your credit etc).

How many people do I have to talk to?

We’ll give you one point of contact who will understand your situation & what you are trying to achieve. Our team will run around behind the scenes but we’ll ensure that you’ve got one point of contact to make things efficient for you & that we are able to get things moving.

Financial Disclosure: Your home may be at risk if you do not keep up repayments. Think carefully about securing debt against your home.
When consolidating existing borrowing, be aware that extending the term could increase the amount repaid.

Ready to Take the Next Step?

If you have a current mortgage and are exploring a secured loan, this could be your chance of approval for flexible funding (from £10k to £2.5m or up to 100% of the value of your home). Whether you’re after better lending criteria, a new mortgage deal, or borrowing options, our experts can point you in the right direction.

Take our 30-second quiz now to find out which secured loan fits your needs best. We look forward to helping you achieve your financial goals!