Secured Loans

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Buying a property can be the biggest decision made in our lives. It is for this very reason that professional advice is critical from competent and qualified advisers.

A SECURED LOAN is a loan that is secured on your house via a "second charge". 

Choose to repay over anything from 5 to 25 years. This spreads the cost of your loan and makes the repayment easier to handle - a great way to get on top of existing debts and provide you with the things they need now.

A ‘secured loan’ is a loan for homeowners who can release spare equity from the value of their property. Securing the loan against the property (same as a mortgage) means you can often get a better interest rate on their borrowing. You don’t necessarily have to use the loan on home improvements. This loan is typically for those who wish to borrow £10k up to £150k.

Here are just a few uses for a secured loan: 

Home Improvements 

Moving home in this current climate is not so easy, it’s often more convenient to stay where you are and extend or improve. Whether they want an extension, a conservatory, a new fitted kitchen, a loft conversion, a landscaped garden or double glazing - a homeowner secured loan can be used for any type of home improvements. 

Debt Consolidation 

Why struggle with lots of small, high interest loans when they can pay them all off in one go? With a secured loan, they can pay off all their outstanding debts like credit and store cards, car loans, and hire purchase loans - leaving you with just one convenient, affordable payment each month.

Dream Holidays 

That ‘once-in-a-lifetime’ holiday you have always promised yourself. Treat the kids to Disney World, visit family in Australia or travel around the world. With a small secured homeowner loan this can always be possible and more!

Secured Loan advice given by a third party

Your home may be repossessed if you do not keep up repayments on your mortgage.

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