Representative example: A secured loan of £37,500 payable over 10 years on a fixed rate of 11.38% for the first 5 years, followed by a variable rate, currently 12.00%, would require 60 monthly payments of £559.61 followed by 60 monthly payments of £567.57. The total amount repayable would be £67,630.80, this includes interest, an arrangement fee of £1,999 and a processing fee of £499. The overall cost for comparison is 13.9% APRC representative.

Secured Loans, Homeowner Loans and Second Mortgages

Been turned down for a loan by a bank or other lender? Use your home as security and get the money you need today…

Using your home as security for your loan purpose can allow you to overcome credit issues and to access better rates of interest than those offered by some other forms of unsecured lending. We always look at every application on an individual basis, which helps us understand your situation and allows us to be more flexible than other loans companies.

Whether you want to consolidate some existing debts into one loan, finance some home improvements or simply just to raise some cash for any other purpose, one of our loans could be the ideal solution.

Our secured loans (also known as Homeowner Loans or Second Mortgages) let you access money quickly at competitive rates of interest. Our experienced team of specialists will support you from start to finish and will provide a friendly, smooth and professional service.

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We're a direct lender, so there are no hidden fees

Over 30 Years of Experience

We are very proud to be one of the UK’s longest established specialist lenders.

We have been helping customers secure the loans they need since 1988. We only provide our own loans, we are not a broker – that means that there are no hidden broker fees or charges and we can offer you very quick lending decisions as we do not have to wait for other companies to make any decisions!

We are authorised and regulated by the Financial Conduct Authority and our team of advisors will work as hard as possible to complete your loan as quickly and efficiently as possible. Enquire now, and discover why we have won so many glowing reviews from our customers…

We like to do things differently

Unlike many other lenders, there is no strict automation to our lending decisions. Your application is assessed by our team, not by a computer.

We take the time to understand your personal circumstances, as we know that not everyone’s finances are simple. So whether you’re self-employed, in an employment probation period, or you have a low credit score, we’ll always look for a way to say ‘yes’.

Whatever your situation, we’ll take a common sense approach to your application.

We consider all credit histories

Case Studies

How our loans and mortgages have helped real life customers

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