If you’re a homeowner and need a larger loan then we have it covered.
Apply for low rate secured loans from 3.4% APRC

What Happens to a Secured Loan After Repossession?

After repossession, the lender will then try to sell the property. The majority of lenders will try to market the property with an estate agent, however, to make a quicker sale, the house may instead be sold at auction. Lenders will sell the property that […]

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Will a Secured Lender Take Away My Property?

Yes, if you do not repay your secured loan you will be at risk of repossession. However, repossession of a borrower’s property is a last resort. The lender will try to get in contact with you beforehand and give you plenty of time to make […]

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Can You Sell Your House if You Have a Secured Loan Against It?

Yes, you can sell your house if you have a secured loan against it, however, you’ll usually need to pay the loan back in full before moving. A secured loan can be a great borrowing option for those who are prepared to use their valuable […]

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Can I Pay Off a Secured Loan Early?

Yes, you can pay off a secured loan early, but you may get early repayment fees for doing this. The early repayment fee could be equivalent to 1-2 months’ interest, however, even with these fees you might still save money on the overall interest accrued. […]

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Can I Make Early Repayments on a Secured Loan?

Yes, you can make early repayments on a secured loan. Making early repayments on any type of loan could help you bring down the total cost of borrowing. However, this is not always the case, and will be dependent upon your borrowing situation – e.g., […]

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What Happens if I Cannot Repay My Secured Loan?

If you can’t repay your secured loan, the following can happen: Negative impact to your credit score Late fees charged Property could be repossessed Hard to get finance in the future A number of fees and penalties can occur if you fail to repay your […]

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Can I Get a Secured Loan with Bad Credit?

Yes, you can get a secured loan with a bad credit history – and this is often a popular choice if you have been declined for a traditional unsecured loan. With a secured loan, a lot of the eligibility is based on what you are […]

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How to Get The Best Rates on Secured Loans

The best rates for secured loans start from around 3.34% APRC – and to access these rates will depend on factors such as your income, credit score, the value of your property and the equity in your property. Every secured lender is different and will […]

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How Long Does a Secured Loan Take to Complete?

A secured loan can take around two to four weeks to complete and it is often funded within a matter of hours or days once approved. Some lenders may be able to complete on secured loans quicker than others, but the reason that it takes […]

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Does My Credit Score Matter For a Secured Loan?

Yes, your credit score will matter if you are looking to be approved for a secured loan. However, there are other factors that lenders will take into consideration such as your income, employment status and the value of your property that you are using as […]

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What Documents Do I Need For a Secured Loan?

When applying for a secured loan, because it is secured against a property or valuable asset, you typically need to provide the lender with some key documentation as proof of income, ownership and affordability, including:   Proof of identity (passport, drivers license)  Proof of employment […]

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Second Charge Loans With No Early Repayment Charges [No ERC’s]

looking to secure a Fixed Rate on their new mortgage but don’t want to get stung by the Early Repayment Charge? Our diverse panel can offer Fixed Rate second charge mortgage products ERC Free. With potential uncertainty and looming Brexit – You can have the […]

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Secured loan For Unencumbered Property [Second Charge Mortgage]

If you have a property that has no mortgage and you wish to take out extra borrowing against the property then we can help. A secured loan for an unencumbered property is an ideal solution when a mortgage from a mainstream lender is unavailable due […]

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Buy to Let Mortgages With No Rental Income Stress Test Required

We are currently offering 1st & 2nd charge Buy to Let mortgages and secured loans with no rental income stress testing required from the mortgage lender. This buy-to-let mortgage product is an alternative solution for landlords whereby the rental income does not stack up or […]

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Use A Second Charge Mortgage To Repay A Help to Buy Equity Loan [Case Study]

Problem Customer wanted a £50,000 loan and wanted to use the funds to pay off a help to buy equity loan they took out 5 years previously. The good news was that the value of their home had increased significantly over the last 5 years […]

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100% LTV Second Charge Mortgages [Case Study]

The Problem Clients wanted to borrow a £30,000 loan to complete an extension on their end terrace property. They were 12 months into a 2 year fixed rate with the Halifax and their broker could not find a 100% LTV remortgage, the existing lender coincidentally […]

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Non-Regulated Semi Commercial Mortgage With Flat Above Takeaway [Case Study]

The Case A directly authorised mortgage broker referred a semi commercial purchase to us, as they were struggling to place with a lender due to the property being a hot food takeaway with a residential flat on the first floor. Client was looking for 70% […]

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Second Charge Mortgage, No Mortgage History & Previously Declined [Case Study]

A directly authorised mortgage broker approached us with an enquiry where his client had purchased a property just 3 weeks previously. The client wanted to borrow £156,000 to carry out home improvements to the property which would include a new extension, however the client did […]

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Buy to Let Mortgage on Unencumbered Property with Historic Adverse Credit [Case Study]

The Case A directly authorised mortgage broker referred a client who was looking to raise £80,000 on a unencumbered BTL property purchased with cash just six weeks previously. The customer also had historic adverse credit including numerous defaults and CCJ’s. The mortgage broker was struggling […]

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Business Loan Second Charge Residential Mortgage [Case Study]

Product Details Loan Size: £50,000 Product: Variable Rate: 7.99% From Secured Loan Calculator LTV: 75% The Case: A directly authorised mortgage broker referred a client who was looking to raise £50,000 to purchase a BTL. Client’s only security was his residential home and to complicate […]

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What Is A Secured Loan? An Experts Guide to Homeowner Loans

When it comes to borrowing money, lenders want to have a level of trust that you will be able to pay it back. Secured loans are a way for people to borrow a sum of money, which is secured against an asset such as a […]

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Secured Loans Explained

If you have never had a secured loan then you may be wondering what they are all about. Here we’ll explain what a secured loan is and how they differ from other types of loans on offer. A secured second charge loan A secured loan […]

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Secured Loans For Pensioners – Over 60’s, 65’s & 70’s

If you are a homeowner pensioner or over the age of 60 and require a secured loan from £3,000 plus then please speak to us as we can help. We are able to arrange loans based upon your pension (either state or private) income, self […]

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Unsecured vs Secured Loan?

If you have been researching different types of loans in the hope to find out which is more suitable for you then this may help. Listed below are some of the standard features associated with each type of loan.   The features of a unsecured […]

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