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What is a Secured Loan?
If you need to borrow a large amount of money and want to avoid paying sky-high interest, then you should consider securing your loan against your property. By taking out a secured loan, you are putting up your property as collateral, and the lender will take possession of it should you default on your payments.
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Applying for
Secured borrowing is just a few simple steps away - just follow these simple instructions and we'll get you well on your way to getting the loan you need:
1. Fill in the form below
We'll need you to give us a bit of information about yourself, and about the loan you're after (including how much you want to borrow and why). This will help us make sure that we're only showing you loans fit for your needs and financial situation.
2. Wait for a broker to get in touch
When you've filled in the form, our hand picked panel of expert loan brokers will go over the details. One of the brokers will be in touch with you shortly to discuss your options and help point you in the right direction.
3. Start borrowing!
Now comes the easiest part - once you've spoken to the adviser and picked a loan, all you need to do is take it out and make the most of what you've borrowed!
Need more information? Click here to read our guides on loans.
Getting the Best
How much do
The interest rate on your secured loan will depend on (a) the loan amount, (b) duration of repayment, (c) your credit score rating, (d) and the equity (value) you own in your home. The more equity you own in the property secured against the loan and the more it exceeds the amount you’re borrowing, the cheaper your repayment plan will be.
Second Mortgages
Secured loans are similar to mortgages, in fact a mortgage is basically just a specific type of secured loan. Taking out a loan secured against your home is very similar to taking out a second mortgage, though the latter will typically come with better interest rates.
Be
With a secured loan, you'll be able to borrow much more, and at a much lower interest rate, than you would with an unsecured personal loan. But you should always be careful and make sure that you keep up with payments as if you do default, your home will be repossessed.
MoneyExpert Ltd is not authorised to provide advice and are introducing you to a regulated firm with whom we are not under a contractual obligation to conduct insurance mediation business with exclusively. You should ensure you provide any potential insurer with your full details and ensure that you are eligible to make a claim(s) in relation to the cover offered. MoneyExpert Ltd will receive a small payment for this introduction which will not normally exceed £35.
MoneyExpert does not give advice on or recommend any particular insurance product or service or whether it is suitable for your personal circumstances. The information provided is to help you to make your own choice about how to proceed
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