Find a Secured Loan from £15k to £500k
Are you a homeowner?
Homeowner loan calculator
Property value:
Min (£75,000) Max (£1,500,000)Mortgage balance:
Min (£0) Max (£1,000,000)Borrow amount:
Min (£10,000) Max (£1,000,000)Term:
Min (3 years) Max (30 years)Mortgage product type:
Results
Loan Amount
Monthly Repayments
This is based on a borrowing over
Indicative Rate
This indicative rate is based on our rate and our lending criteria for your LTV of .
Total Repayable
This is a sum of the loan amount, interest and an exit fee of .
Please note these results are indicative and are meant to be used as a guide only. Additional fees such as a broker fee and a lender fee may apply. These fees vary and will be set in line with each brokers pricing policy. Should you wish to submit an application, it'll be subject to status, full lending criteria, a credit check and a review by a qualified mortgage adviser, which could result in a different product which has a different interest rate. Any changes are likely to alter both the monthly payment amount and the total amount payable. Results are based on a good credit profile.
Representative ExampleBorrowing of £40,000, plus £595 lender fee, plus £3,000 broker fee, totalling £43,595, over 192 months on a 5-year fixed product with an initial borrowing rate of 9.2%, following a variable rate of 9.6%. There would be 60 monthly instalments of £434.49, following 132 monthly instalments of £442.52. Total amount payable £84,577.09, made up of: Mortgage Amount £40,000, Interest £40,887.09, Lender fee £595, Broker fee £3,000, Exit Fee £95. Overall cost for comparison purposes 11.4% APRC. Please be advised that any interest rate fluctuations, during the life of the mortgage contract, will affect the total amount repayable.
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Whether your loan is for debt consolidation, a new car or home improvements, Secured Loan Finder could have the loan option you are looking for. Our decision to lend isn't only based on your current credit score, or the amount of equity you currently have tied up in your home. We also focus on understanding your personal situation and discuss your current financial position so that we can find you the best secured loan. Of course, we will ask about how your historic finances in the past, but with us were really interested in the here and now that really matters. This means having a poor credit history in the past won't necessarily disqualify you.
Even if you have a less than perfect credit history, or have been previously turned down for a loan, there are lenders willing to offer deals to those that may be considered a higher credit risk. Putting up some security in support of your loan can often help you, particularly when you need large sums of money but have a low credit score. Affordability will still be a factor that is taken into consideration.
Provide just a few quick details and we’ll put you in touch with a financial advisor who will try and help you get the best deal for your personal circumstances, even if you’ve previously been turned down for a loan. There’s no obligation, so there’s nothing to lose.
Enquiring with us only takes 60 seconds and won’t affect your credit score.
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A secured loan is borrowing that’s backed by an asset — usually your home. It allows you to borrow larger amounts, often at lower interest rates, because the lender has the added reassurance of security.
Just like with most traditional unsecured loans, you pay your secured loan back in monthly instalments. However the difference between a secured loan and unsecured loan is that this loan will be secured against an asset like your house if you default on the loan. You will pay interest on your loan as well as the capital amount. This rate of interest can be fixed, or it could be variable. A direct debit or standing order is set up to pay the monthly loan repayments.
If you have a home a second charge will be placed against your home in order to release the secured loan. This means you will need to be a homeowner with a current mortgage. The home is used as security for the lender in the event you default on the loan.
Even if you have bad credit its still possible to get a secured loan. The only difference is you may pay more in interest than someone who has a good credit rating. However, if you do get accepted for a secured loan, remember that you making regular payments against your loan will help boost your credit score in the future.
You can use a secured loan for any purpose but typically to help consolidate debt, for a new car, etc. Typically, we provide secured loans for people looking for between £10,000 and £1,000,000.
Once you have supplied all the necessary paperwork the process can be relatively quick. Because the loan will be secured against your home the lender may ask for some extra paperwork to be completed. Once this is done the loan can be processed fairly quickly, usually within a few weeks of the lender receiving all the necessary documentation.