Simon Nicholson

Expertly compared by Simon Nicholson

Products Updated January 8, 2020

75% – 100% LTV Secured Loans

Get the best deal on 75%, 85%, 95% and 100% LTV second charge loans and mortgages from our award winning loan experts. Funding solutions available for all credit types, pensioners and self employed applicants including buy to let properties. 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 considered:

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

1 providers expertly compared:

Learn More Available via broker only
All credit types
Rated 4.8/ 5

Lending Expert

Loan Amount
£10,000 - £500,000

Representative APRC

Loan Term
3 - 33 years

Loan Type
Secured & Homeowner Loans

Homeowners & Tenants
Max LTV 100

Our expert team can compare over 19 secured loan lenders from across the market to find you the perfect loan. Our team are on hand 7 days a week to handle your loan enquiry from initial quoteation right through to when you receive your loan. Homeowner loans for any purpose including popular options such as debt consolidation, home improvements and buy to let properties. Solutions for bad credit applicants and the self employed. Request a quote to see how much you can borrow today.

Read our customer and visitor reviews for this product:
Rating: 4.6 / 5 with 31 votes
Good for secured loans
by Abdul R

Good service for secured loans with a full brokerage service. Good panel of lenders to suit most customers.

Found the right mortgage I was looking for
by Mrs Dale

Had a very positive experience using the mortgage pages. Thankyou.

Are there many secured lenders who offer products at 75%?

75% loan to value second mortgages

75% secured loans

There are a large selection of lenders who can offer secured loans at 75%, 85%, 95% and 100% loan to value. This means the lender will willing to secure a loan for up to 100% of your properties value. This could be your residential home or a buy-to-let property. The terms and interest rates of the loan and how much you can borrow will vary from lender to lender. A broker above will be best to advise you on your options and which lenders are most suitable for you.

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.

Are loans available for people with bad credit histories?

Blemished credit applicants are accepted

Blemished credit applicants are accepted

There are a range of suitable lenders who offer secured loans to people with adverse or bad credit history. Some second charge lenders will accept and consider applicants with CCJ’s IVA’s defaults, missed payments and options those with a low credit scoring. A secured loan broker has an indepth knowledge of the market and lenders which means they will be best placed to advise you on which lenders are most suitable.

None mainstream Buy to let applicants accepted

Funding solutions are available for applicants who wish to borrow against a buy to let on a first or second loan basis at 75% loan to value. Loans can be issued for applicants without proof of income, the unemployed, people on benefits without any requirement for a credit check. Some lenders can also accept family gifted deposits of 25%.



How long does it take to get a loan?

Loans can be completed within a matter of a few weeks assuming all the application and supporting documents are provided quickly.

Do I need to be a homeowner?

Yes, as these types of loans are secured against your home in the same way a mortgage is. They are often referred to as a second charge loan.

Do I have to pay any upfront fees?

No, there are no up front fees to pay. However, there is a broker fee and lender fees to pay upon completion of the loan. In most cases there is also a home survey/valuation fee to pay in addition to the broker and lender fee. These fees and the amount to pay will be explained to your prior to taking out an application.

Are these types of loans suitable for buy to let?

Yes, secured loans can be taken out on buy to let property.

What purpose can the loans be used for?

Loans can be arranged for any legal purpose. Secured loans are mostly used for home improvements and debt consolidation.

How much can I borrow?

The amount you can borrow will depend on factors such as home equity and affordability. A quick assessment from a secured loan broker will be able to establish how much you are able to borrow and how much the loan will cost.

Why not just remortgage?

A secured loan has many benefits over a remortgage and in many cases will be the best solution such as: If your credit rating has worsened since taking out your first mortgage, remortgaging could mean you end up paying more interest on your entire mortgage, rather than just on the extra amount you wish to borrow. If your existing mortgage has a high early repayment charge (ERC), it may be cheaper for you to take out a second charge mortgage rather than to remortgage.

Are secured loans available to self employed?

Yes. If you are self employed either as a sole trader or company director you can apply for a second charge loan. You must have a minimum of 6 months of trading and be able to provide proof of income.

Can I get a homeowner loan without proof of income?

No. You will be required to show proof of suitable income to demonstrate you can afford the loan repayments. SA302 and accountants projection accepted as proof of income for self employed applicants.

What purpose can a secured loan be used for?

Any legal purpose such as debt consolidation, home improvements, tax bills, business use or to purcase a new car for example.

What is the maximum secured loan to value (LTV)?

Loans can be arranged up to 100%, and 95% LTV loan to value with a small handful of lenders. The lower the LTV the more attractive the interest rates and fees are.

How about if you have a bad credit history?

Our lenders do accept CCJs and Defaults (even in the last 12 months) If you have a bad credit history then there are a selection of second charge lenders who offer loans within this category. Your secured loan broker will be best to advise you on which lenders and products will be available and the interest rates chargable.

What is the maximum loan term on second charge loans?

Second charge loans are like mortgages and loan terms can arranged up to 35 years for some lenders while others will have a maximum loan period of 25 years for example.

Are secured loans available on ex-council houses?

Yes, our lenders will consider secured loans for:

  • ex-council houses, flats and maisonettes
  • high-rise properties (yes, even ones above 6 floors)
  • properties with poor valuations (when the property is in a less than perfect condition)
  • non-standard constructions (When the property you want is a little out of the ordinary)
  • normal brick-built houses, flats and maisonettes
  • properties where more than 40% will be owner occupied

Is there any early replayment charges on these products?

Yes and no, not all products on offer here will come with ERC's. The broker will be best to advise on the individual lender products and which ones carry early repayment charges.

Are secured loans available to ex-pats?


Can I take out a secured debt consolidation loan?

Yes. Debt consolidation is a popular option with many customers who take out these types of loans. If you would like to learn more then request a quote from our approved brokers here on the website.

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