Simon Nicholson

Expertly compared by Simon Nicholson

Products Updated October 2, 2018

100% Secured Loans

Get the best deal on 100% LTV secured loans from our award winning loan experts. They will search the marketplace and compare high LTV lenders willing to offer 100% loans. Second charges loans and mortgages available for all credit types and self employed applicants. We promise you wont find a better deal elsewhere.

Homeowners - Our award winning experts can compare the cheapest loan deals from over 19 approved Lenders. All credit types accepted:

Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on a loan or any other debt secured on it.

Questions? Call us on 0161 820 8099

2 providers expertly compared:

Learn More
All credit types
Rated 5.0/ 5

Smart Money Why?
Why?

This provider is our Expert’s Choice in its category as it won tops marks for the following.

  • TRUST
  • VALUE
  • EXPERTISE & KNOWLEDGE
  • CUSTOMER SERVICE

Learn more about how we review and assess the providers here on Lending Expert.

Loan Amount
£3,000 - £1,000,000

Representative APRC
From 3.9%

Loan Term
3 - 35 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 100%

Award winning broker of the year Smart Money have made it to the top of our list as our No 1 recommended provider for homeowner and buy to let loans. They are independent and have access to the major lenders in the market. All quotes are free and without any obligation.

2 providers expertly compared:

Learn More Available via broker only
All credit types
Rated 5/ 5

Clearly Loans

Loan Amount
£5,000 - £100,000

Representative APRC
11.3 - 21.2%

Loan Term
1 - 20 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 100%

We aim to make the process of taking out a secured loan as clear and transparent as possible. All our loans are secured on residential property by way of a second charge. Get a quote today for a personal illustration from our award winning broker.

Representative Example

Are there many second charge lenders who offer products at 100% LTV?

100% loans are available from a handful of lenders

100% loans are available from a handful of lenders

There are a handful of lenders who can offer secured loans at 100% loan to value and some of which will require additional security. Such high loan to value products carry higher interest rates and fees when compare to 85% or 75% for example. This is because the higher LTV ratios carry greater risk to the lender and therefore demand higher rates of interest to compensate for the risk.

For what purposes can these loans be used for?

Loans can be used for any legal purpose and are popular funding options for home improvements, debt consolidation and raising funds on buy to let property. Loans at 100% are available from £3,000 to £100,000 repayable over 3 - 25 years.

What are the adverse credit options?

There are a range of suitable lenders who offer secured loans to people with adverse or bad credit. Some lenders will accept and consider applicants with CCJ's IVA's defaults, missed payments and those will a low credit scoring.

 

We are independently reviewed by our verified customers and web users:
Rating: 4.6 / 5 with 27 votes

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Warning: Late repayment can cause you serious money problems.
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