Secured Loans

What is a Secured/Homeowner Loan?

A Secured Loan, which is often referred to as a Homeowner Loan, is a loan where the borrower offers their property as security for the loan.

This means that the loan borrowed becomes a secure debt against the property as is owned by you (the Creditor).

Secured Loans are also referred to as a Second Charge Mortgage because they have a second priority after your main mortgage provider.

A Secured Loan basically means that a lender uses a charge on your property in case you can not repay the loan.  If this was the case the company would sell the asset to recover the money you owe, just like a mortgage.

Have you had a loan declined?

A Secured Loan offers the following benefits;

  • Borrow from £10,000 - £500,000 +
  • No Guarantor Needed
  • Lower Payment Options Available Over Longer Terms

A Secured/Homeowner Loan could help with these examples;

  • Money to carry out Home Improvements
  • Money to purchase a car
  • Money to consolidate debt to reduce interest costs and monthly outgoings

The following circumstances will be considered for a Secured/Homeowner Loan;

  • Mortgage Arrears
  • Defaults
  • CCJ’s
  • Ex-Bankrupt
  • Self Employed
  • Retired
Contact us today for your Secured/Homeowner Loan

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I have Bad Credit, can I still get a Secured Loan?


A Secured Loan could be possible even if you have Bad Credit or a not so perfect credit history.

It can be easier to get a Secured loan when your credit isn’t perfect, simply because the lender has the added security of your property.

Maintaining repayments could also help to repair our Credit Score.

The minimum criteria that will be considered for a Secured/Homeowner Loan;

  • You must own your own home
  • There must be a Mortgage on the property
  • The property value must be more than the Mortgage balance