We provide secured loans for UK homeowners from £10,000 to £250,000. Loans are available for almost any purpose, whether for raising additional funds, home improvements or consolidating other expensive credit – or even a combination of a number of these – it’s up to you.
Yes. We compare the loan market to ensure we find the best loan options available to you, no matter what your financial circumstances.
A secured is a loan that is secured against residential property – similar to a mortgage. A mortgage is your ‘first charge’ against your property and a secured loan is the ‘second charge’.
By securing the loan against your property, you could benefit from receiving a lower rate of interest compared to some other forms of unsecured borrowing – and also borrow higher loan amounts if you have the equity available in your property.
Loan-to-value ratio is the difference between the loan amount and the house’s market value. A loan of £80,000 on a £100,000 home gives a loan-to-value ratio of 80%. The bigger the difference is between the loan and the value of the house, then the smaller the LTV. This difference is known as the equity.
Lenders can agree to a loan offer in principle before a full credit search is made. This is subject to further conditions being met, such as a soft credit check and affordability checks.
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