Secured Loans

secured loan image

A secured (or homeowner) loan is a loan in which the borrower pledges some asset (e.g. a car) as collateral for the loan. The loan is thus secured against the collateral in the event that the borrower defaults, the lender takes possession of the asset used as collateral and may sell it to regain the amount originally lent to the borrower.

As the loan is secured, the lender is relieved of most of the financial risks involved; he may thus offer attractive terms for the borrower on interest rates and repayment period.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER LOAN SECURED ON IT. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. *REPAYING DEBT OVER A LONGER PERIOD MAY INCREASE THE TOTAL AMOUNT TO BE PAID.

Loan Application

To apply for this product, please follow the steps and fill out our application form. Alternatively you can call us on 0871 434 4375 or request a callback.

Why choose a Homeowner Loan?

  • No Age Limit.
  • Prime to Subprime.
  • 100% LTV - For prime customers.
  • Interest Only Option.
  • Semi Commercial Properties.
  • Payment Protection Options.
  • 100% Self Cert / Self Employed.
  • Unlimited Adverse up to 80% LTV.
  • State Pension and Benefits Accepted.
  • Clients Borrow 100% of The Market Value.
  • Right to Buy - Doesn't Affect Pre-Emption.

Rates from just 8.9% to 29.9% APR.* (Typical 9.4% APR Variable)

Loan details



Please Note: When applying for a Secured loan, there will be a charge on the property.


Personal Details



Applicant 2



Please Note: If you are Married it must be a joint application.

Contact Details



Employment Details



Employment details for previous place of work if you have been in your current job for less than 3 years.

Bank Details



Applicant 2 (if applicable)



Employment details for previous place of work if you have been in your current job for less than 3 years.

Bank Details



Mortgage Details



Property Details



Joint Applicant:



‘At this stage of your application, we would like to do a credit search.  Sometimes information about you on the credit search can be linked to other people, like a spouse for example.  As this application is for both of you, we consider information registered about both of you when approving your application, and false information may be recorded.  Legally we need your permission to do a credit search.  Do you give us permission, and are you authorized to give permission for the both of you?’
Check here.

Single Applicant:



‘At this stage of your application, we would like to do a credit search.  Sometimes information about you on the credit search can be linked to other people, like a spouse for example.  As this application is for both of you, we consider information registered about both of you when approving your application, and false information may be recorded.  Legally we need your permission to do a credit search, and the permission of anyone you have a financial link with.  If you don’t have a financial link with anyone, then of course its only your permission we need.  Do you give us permission?’
Check here.

Both we and any other broker or lender we deal with may contact you in the future offering you facilities which we or they feel may be of interest to you.  Is this acceptable to you?
Check here.

If your application is unsuccessful, do you give us permission to try alternative Unsecured/Secured Lenders?
Check here.