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Secured & Homeowner Loans

Consolidate your debts into 1 affordable payment

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Take The Debt Test

Not sure what help is available? For instant advice why not take our free 1 minute debt test.

START

Q. Are Your Over 18?

Were you born before 30/07/1992?

Yes No

Q. Are You A Homeowner?

Do you own your own home?

Yes No

Q. What is the estimated value of your house?

How much is your property worth?

Next

Q. Do you have a mortgage?

Do you have an outstanding mortgage?

Yes No

Q. What is the total value of your mortgage?

How much do you owe on your mortgage?

Next

Q. Would you consider a homeowner loan to consolidate your debt?

Are you looking for a secured/ homeowner loan to help with debt?



Next

Q. What's your residential status?

For example, are you a tenant, live with parents, etc?

Next

Q. Do you have any unsecured debt?

Do you have any loans, credit cards, store cards, etc?

Yes No

Q. How much do you owe?

What is the combined total of your unsecured debt?

Next

Q. How many creditors do you have?

How many companies do you owe money to?

Next

Q. Have you ever had any of the following:



Next

Q. Are you struggling with your monthly payments?

Are you paying bills with credit cards, etc?



Next

Q. Have you recently been refused credit?

Have you been refused a loan within the last 6 months?



Next

Q. Would you like a free consultation with debt advisor?

Yes No

Final Step) Your contact details




Next

Q. What types of debt help would you consider:

Please keep your options open as we could help





Results

Unfortunately We Cannot Help!

Because you are either under 18 or have no unsecured debts we cannot help. If you have made an error with your test, please press the restart button below.

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Get Help Today

Making an enquiry is the first step to becoming debt free. Don't forget we can help you:

  • Consolidate you debt into one
  • Reduce your monthly outgoings by upto 40%
  • Stop interest and charges
  • Stop creditor hassle
  • In some cases write upto 75% off your debt
  • Become debt free within 60 months

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Please call us on 08000 122 118 for free, no obligation help & advice.

If you are a homeowner, or have a mortgage, it may be possible to use the equity available, against a secured loan. That is, the current value of your property, minus the figure outstanding on the mortgage balance. Due to this, secured loans may also be referred to as second charges. By taking out a secured loan, you agree that should you severely fall behind on repayments, the creditor has the legal right to claim your house from you.

As such, it is often possible to obtain a higher loan amount than an unsecured loan, and sometimes at a competitive rate of interest, and over a longer period of time (usually between 3 and 25 years). This can be extremely attractive if you are in severe need for a loan. However, you must make sure that you are confident you will be able to meet the repayments now, and in the future, otherwise your home could be repossessed.

The amount of interest charged (APR), the term, and the maximum loan available, will all depend on the level of equity you have in your property, and your credit history. Depending on this criteria, it may be possible to take a loan out for up to 100% of your property's value. A secured loan could be an ideal way to consolidate all of your high interest credit cards, store cards, or loans into one repayment. It is however important to consider that for the lifetime of the loan, your home is at risk, should your ability to meet the monthly repayments disappear.

Do You Qualify?

please complete the call back form below and we'll call you back

Loan Value *

House Value *

Mortgage *

Secured Loans *

Do You Qualify?

If you can answer "yes" to the following then you can apply for a loan with us:

  • You are a homeowner? (if you're not, click here)
  • You are over 18 years of age
  • You are an UK citizen or permanent resident

Why Us?

  • Borrow £5,000 - £250,000
  • Free, no obligation quote
  • No initial credit checks
  • We can help; CCJs, Arrears & Defaults
  • Speak directly to an underwriter
What can I find you? Debt Help | IVA | Loans
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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERM OF DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

For mortgages and re-mortgages the overall cost for comparison is 8.5% APR variable and for secured loans 14.5% APR variable. The actual rate will depend upon your circumstances. Ask for a personalised illustration. A broker fee may be payable on completion, and will depend on your circumstances. For mortgages and re-mortgages this fee is typically between 0% and 3% of the gross mortgage amount, subject to a minimum of £2,495 and a maximum of £3,995. For secured loans, the fee is typically between 0% and 10% of the loan value.