Your Story Goes Beyond a Credit Score
Get professional advice and trusted service for secured loans
Borrow up to £250,000
Flexible terms from 3-25 years
Bad credit histories considered
Employed, self employed, pension and benefit income
We're a direct lender, so there are no hidden broker fees
Representative Example: A secured loan of £39,000 payable over 8 years on a fixed rate of 10.19% for the first 5 years, followed by a variable rate, currently 11.95%, would require 60 monthly payments of £633.88 followed by 36 monthly payments of £650.21. The total amount repayable would be £61,440.36, this includes interest, an arrangement fee of £1,999 and a processing fee of £499. The overall cost for comparison is 12.9% 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, fund a wedding 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.
What do our customers say?
You can relax knowing you’re working with a highly rated team. But don’t just take our word for it, visit our website and read our reviews – they speak for themselves.
How it works
Organising your finances can sometimes feel stressful, but we want to make it as easy as possible for you.
In just 3 simple steps you could have the money in your bank account. All you need to do is:
1: Enquire
Complete our quick and easy online enquiry form. Alternatively, you can speak to an advisor instantly by calling us or starting a live chat.
2: Your details
One of our qualified advisors will call you to discuss your enquiry and work out a monthly payment that meets your needs and circumstances.
3: We'll do the rest
We'll help you complete the paperwork and any other supporting documentation required.
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've been lending to homeowners for over 35 years, so you can relax knowing you're dealing with an experienced team.
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.
Case studies
Home improvement loan
For an applicant with poor credit history.
Secured loan
For a self-employed client with limited trading history.
Debt consolidation loan
For an applicant with multiple lines of credit.
Ready to enquire?
Talk to our qualified mortgage experts
Friendly UK based advisors
Enquiring won't affect your credit rating
Fast turnaround times 7-10 days is possible
No phone menus - immediate contact from our advisors
We are a direct lender, so we'll work with you from start to finish