SPECIALIST and EXCLUSIVE Homeowner Secured Loan Deals

Frequently Asked Questions

These questions and answers are for general information purposes only

PLEASE ASK YOUR ADVISER ANY QUESTIONS YOU MAY HAVE

You must not use this information solely in your decision to apply for a homeowner secured loan. It's very important that you have full information before you choose your loan.

Q:   What are homeowner secured loans?

Q:   Do you cover the whole of the UK secured loans market?

Q:   What can I use the secured loan for?

Q:   Why a homeowner secured loan?

Q:   I've already been refused a loan, can you help?

Q:   How much can the secured loan be for?

Q:   Why don't you have secured loans comparison tables?

Q:   What is equity?

Q:   What happens once I've submitted my application to this website?

Q:   My credit record is not so good, can I still apply for a secured loan?

Q:   What type of lenders do you compare?

Q:   Who can apply for a secured loan?

Q:   Can I consolidate my existing debts?

Q:   Why should I apply for a secured loan through you?

Q:   Am I eligible for a secured loan?

A: What are homeowner secured loans?

Homeowner secured loans are loans for people who own their own house (whether they still have a mortgage or not). Generally, secured loans attract lower rates than unsecured loans.

A: Do you cover the whole of the UK secured loans market?

Many of our competitors will only quote on a limited range of secured loans. We're proud to be able to advise you on the whole of the UK secured loan market.

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A: What can I use the secured loan for?

You can use the secured loan for just about anything you wish, whether it be to pay for a wedding, a deposit on a house, a car or even a well deserved holiday. With a number repayment periods available, our expert secured loan advisers can offer very flexible deals to suit your requirements.

A: Why a homeowner secured loan?

Homeowner secured loans take a charge on your property thereby guaranteeing repayment of the loans. Because this represents a lower risk to the lender you're often able to benefit from lower rates of interest. Many lenders will lend money on a secured basis for longer periods of time. This could mean lower monthly repayment costs than they might be with a shorter term unsecured loan.

A: I've already been refused a loan, can you help?

We can often help those who have been previously refused a secured loan. We've access to all of the UK's leading providers, many who specialise in helping people who may have had difficulties obtaining a loan from a high street lender. Secured loans are also sometimes available to borrowers with poor credit history. So make sure that you still contact us even if your previous secured loan application was rejected by the lender, we may have some good news for you.

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A: How much can the secured loan be for?

How much you can borrow depends on a number of factors such as your income, value of your property and any other financial commitments you may have. A secured loan will also depend on the amount of equity tied up in your home. Please note that only loans of above £10,000 are available through this site.

A: Why don't you have secured loans comparison tables?

Please see "The Argument Against Secured Loan Comparison Rate Tables". Ensure you're not misled when taking out a secured loan.

A: What is equity?

Equity is your current mortgage balance taken away from the current value of your house, i.e. simply the value of the property you own minus any mortgage you still have outstanding. Equity is used as security for secured loans.

A: What happens once I've submitted my application to this website?

We will contact you as soon as possible and then immediately search the loan providers' systems using specialist software for the best secured loan deals available. When you make your choice, we will then arrange your loan.

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A: What type of lenders do you compare?

We compare a huge range of lenders. These could include famous brand high street lenders or lesser known providers including:

Alliance and Leicester
Allied Irish Banks
Bank of Ireland
Bank of Scotland
Barclays Bank
Birmingham Midshires
Black Horse
Blemain Finance
Capital
Central Trust
Cheltenham & Gloucester
Citibank
Clydesdale Bank
Co-op
Coventry Building Society
Derbyshire Building Society
Egg Bank
Equifinance
GE Money Secured Loans
GMAC
Halifax

HFC Bank
HSBC Bank
Leeds Building Society
Lloyds TSB Bank
Nationwide Building Society
NatWest
Northern Rock
Norton Homeloans
Norwich and Peterborough Building Society
Ocean Finance
Optimum
Paragon Finance
Prestige
Principality Building Society
Royal Bank of Scotland
Santander
Shawbrook
Skipton Building Society
Ulster Bank
UTB
Yorkshire Building Society

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A: My credit record is not so good, can I still apply for a secured loan?

For many people with poor credit, it's still possible to get a secured loan. Complete the form below and you will be contacted by a secured loan specialist whose aim will be to find suitable rates specially tailored for your circumstances.

A: Who can apply for a secured loan?

You can apply for a secured loan if you own a property in England, Scotland, Wales or Northern Ireland, you are 18 years or over and have a regular income.

A: Can I consolidate my existing debts?

If you're juggling payments for multiple store or credit cards, or maybe have a higher interest personal loan that you’d like to pay off as well, we could help you package all your monthly repayments into just one.

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A: Why should I apply for a secured loan through you?

We are registered and regulated by the FCA and have access to several deals and financial products that are not available to the general public. Our buying power enables us to provide you with exclusive and competitive rates on many secured loan products that you cannot get yourself by going directly to the lender. Our highly experienced team of expert advisers will help you avoid making a mistake when choosing your secured loan.

We also have full access to specialist, industry secured loan search software that will provide you with the information to help you make the best decision as to which type (there is more than one type of secured loan) and which lender you should use.

We can also help if you’re thinking of remortgaging or borrowing more on your current first mortgage,

We search over 200 lenders including specialist and exclusive deals, secured loans, mortgages and poor credit borrowing.

Are You Eligible For a Homeowner Secured Loan? Get Your Fast-Track Answer Now!


Complete the ultra-fast homeowner enquiry below and your expert, FCA registered, secured loans adviser will contact you.
Please note that only loans of above £10,000 are available.

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