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Borrow at competitive  rates without affecting your present mortgage.

Secured loans (often called second-charge loans or home-owner loans) are only available to homeowners.

People use secured loans to finance improvements to the home, or pay for special one-off items like a wedding or home improvements.

This means that a legal charge is taken on your property, in a similar way that your mortgage company has a charge on your home. A ‘charge on your home’ means that if the worst comes to the worst and you can’t pay your mortgage or homeowner loan, a bank can repossess the property

You can borrow between £5000 and £300,000

Payment terms are flexible to suit your needs with rates starting at 4.7% APR.

Secured loans give homeowners a way to borrow at competitive rates without affecting their existing mortgage deal.

Secured loans are a useful way to  pay for a wedding or a special holiday or build that conservatory or house extension  you have promised yourself

These loans have a variable interest rate (like many mortgage deals) and interest rates can go up as well as down.

Some secured loans may start with a fixed rate, but go onto a variable rate after an introductory period (typically three years). Make sure you study the payment illustrations in your secured-loan agreement carefully.

9.9% APR typical for secured loans.We charge a fee for arranging secured loans of between 10-15% of the sum borrowed. A typical fee is £1500. We do not offer debt management services

"Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other loan secured on it"