Frequently Asked Questions

A Secured Loan is a loan that is secured against your property. It is also commonly knows as a Homeowner loan. You must have a mortgage in place to apply for a secured loan. The most common purposes for a Secured Loan are Home Improvements & Debt Consolidation. However, they can be used for almost any purpose. 

As a trusted Secured Loan Broker, we have access to exclusive interest rates that are not available directly to customers. We also have access to a wide panel of lenders, that we search on your behalf to find you the lowest rate for your individual circumstances. We will also provide you with expect guidance, with one dedicated advisor from the start to the end of your loan journey, who will remove the stress and save you the time of looking for a Secured Loan yourself. 

We carry out a 'soft credit search' when you complete our 'quick apply' form, which does not affect your credit file. Your advisor will then search lenders for the lowest interest rate for your Secured Loan and send you your quotes. You are under no obligation to continue with your application at this stage.

Secured Loans can be taken over 3 -25 years. However, we do have lenders who will lend up to 30 years.

You can borrow from £10,000 - £1,000,000. The maximum amount you can borrow will depend on how much equity you have in your property. 

*Please note that £10,000 is the minimum borrowing amount for a Secured Loan

You can borrow from £10,000 - £1,000,000. The maximum amount you can borrow Your interest rate will depend on how much you are borrowing, the equity you have in your property and your individual credit file. By completing our 'quick apply' form, your advisor will assess your application and find you the lowest interest rates available to you. 

LTV (Loan To Value) is basically how much you are borrowing in relation to the valuation of your property. It is expressed as a %. We now have many lenders who will let you borrow 100% LTV, so all the equity in your property (the full property valuation).

A Secured Loan can be arranged in a few days to a few weeks. It really depends on your personal financial situation. By completing our 'quick apply' form, your advisor will be able to give you a more accurate timeframe. We always aim to complete your Secured Loan in the least amount of time possible.