Secured Loans

Home Equity Loans | Homeowner Loans | Second Mortgages | Second Charge Mortgages | First Charge Mortgages | Debt Consolidation Loans

With a secured or homeowner loan, you use your property as security against the amount you borrow. Lenders are happy to lend more over a longer period than they will with unsecured or personal loans. As a result, you can generally borrow up to between £50,000 and £120,000 over a maximum term of 25 years.

As with personal loans, the repayment terms will generally involve fixed monthly payments and you will face early repayment charges if you want to pay the loan off before the agreed term. Secured loans can prove easier to qualify for than unsecured borrowing, and if you have a less-than-perfect credit file, a secured loan may prove your only option.

Secured loans do generally have higher rates than unsecured borrowing, but they are a good option in certain circumstances.

Call us today and make an appointment to discuss your borrowing needs.

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