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Secured Loans FAQ
What is the difference between an unsecured and a secured loan?

As a homeowner, your property gives the lender some security. This added security means you'll often get a better interest rate on a secured loan, compared with an unsecured loan, because the lender sees it to be less of a risk.

Can I get a secured loan if I'm not a homeowner?

No, a secured loan can only be arranged using your property (home) as collateral. However, if you're not a homeowner, you can apply for an unsecured loan at a competitive rate. Click here to see which lenders are currently offering unsecured loans at the best possible rates for you, depending on your credit history.

Can I still get a secured loan with a bad credit history?

As long as you are a homeowner and the value of your property is greater than your mortgage (in other words, you have some equity), a bad credit history won't necessarily exclude you from getting a secured loan. Because the lender has security, mortgage arrears, County Court Judgements (CCJs), payment defaults and other problems, such as no proof of income, are often less of an issue with a secured loan.

How do I apply for a secured loan?

Applying for a secured loan couldn't be easier. You can either apply for a secured loan application online using our simple form, right here, or call our friendly staff on 0800 061 2178. We're here to help, so if you have any questions or concerns or you'd like more information about secured loans, just ask.

What will happen after I apply for a secured loan?

First, our team of professional underwriters will assess your individual requirements and circumstances and look for the best secured loan for you among our panel of lenders. We will always try to get you a decision in principle within 24 hours of your application. If you wish to go ahead, we'll keep you informed of the progress of your secured loan and let you know exactly what you need to do and when. You won't need any interviews and all the paperwork can usually be completed through the post and by phone. We'll do everything we can to make sure the process runs smoothly and you get the money as quickly and efficiently as possible.

LOANS MAY BE SECURED ON YOUR HOME. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.