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Are you looking for a secured loan? Submit your details below for our broker team to contact you with the best deal available according to your personal circumstances.

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Step 1 of 3

About your loan

How much would you like to borrow? Over how many years?   Please select1 year2 years3 years4 years5 years6 years7 years8 years9 years10 years11 years12 years13 years14 years15 years16 years17 years18 years19 years20 years21 years22 years23 years24 years25 years   Purpose of loan? Current residential status? Please selectDebt ConsolidationHome ImprovementCarHolidayWeddingOther   Please selectHome Owner - With a mortgageHome Owner - No mortgagePrivate Tenant - FurnishedPrivate Tenant - UnfurnishedLiving with parentsOther   What is your monthly income? (including any benefits) Your employment status?   Please selectEmployedSelf-employedUnemployedHome-makerStudentRetiredOther   Proceed to step 2.

Step 2 of 3

About your loan

You qualify for two types of loan. Select either: Homeowner Loan Is secured on your home. Rates depend on your circumstances; usually lower than an unsecured loan and often more flexible. Unsecured Loan Not secured on your home. May not qualify you for the best rates. Applying to a number of lenders may affect your credit score.   Estimated value of your property?   Your current mortgage balance?       Where will you buy your car? Please selectA DealerPrivate SaleI’m Undecided   What is the total value of money you owe to companies?   Do you owe money to 3 or more companies?     Yes No   What is your monthly rent/mortgage payment?   Your living arrangements?     Please selectSingleLiving with PartnerSingle & 1 ChildSingle & 2 ChildrenSingle & 3 ChildrenSingle & 4+ ChildrenWith Partner & 1 ChildWith Partner & 2 ChildrenWith Partner & 3 ChildrenWith Partner & 4+ Children   Your date of birth?   Do you have adverse credit? (if yes, we can still help) –12345678910111213141516171819202122232425262728293031 –JanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember —-1991199019891988198719861985198419831982198119801979197819771976197519741973197219711970196919681967196619651964196319621961196019591958195719561955195419531952195119501949194819471946194519441943194219411940     Yes No   Proceed to step 3.

Step 2 of 3	About your loan
Based on your information we recommend you speak to a personal debt adviser. They will offer you advice on: Whether a loan is your best option Consolidating your debts Reducing the amount you owe How to freeze your interest payments Protecting you from creditors Proceed to step 3.

Step 3 of 3	Your details
First name: Last name:     Phone number: Alternate phone number:     E-mail address:   First line of current address: Current postcode:     Based on your requirements we have selected the FSA regulated broker Broker Name to help you with your enquiry. Please click SUBMIT to confirm that you are happy for them to contact you by telephone/e-mail.

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Thank you for your enquiry. Your adviser will be in touch with you shortly.

Whether it be a bad credit loan, to consolidate your existing debts or a home improvement loan, if you are a home owner we can help.

As the name suggests a secured loan is one for which the borrower is required to put up some security against the amount borrowed. The most usual form of security would be your home.

Advantages

Generally secured loans are easier to obtain than unsecured loans due to the fact that the lender is protected from losses. This also has the advantage that you are more likely to be able to borrow larger sums of money, with lower interest rates than an unsecured loan. The interest rate is known as the Annual Percentage Rate or APR. Payment will also normally be over a longer period. These factors will vary depending on the value of your property or equity, which is the difference between the fair market value (appraised value) of your home and the outstanding mortgage balance. The lender will offer terms based on their assessment of your ability to make repayments. Since lenders are likely to give competitive rates it can therefore be worthwhile comparing what different lenders are offering. For example lenders may offer free loan estimates, low APR, low monthly repayments with nothing to pay for several months etc.

Disadvantages

The major disadvantage of this kind of loan is the fact that if you fail to meet the agreed conditions of repayment then the lender can claim possession of your home or whatever assets have been used as security.

Calculated Risk

Since there is some risk involved to you as a borrower, in that it is possible for you to loose your home should you fail to meet the repayment requirements, it should be a well-calculated risk on you part. Firstly you need to be very clear about the terms on which the loan is being offered, such as the APR and the timescale for repayments. Then your ability to make the repayments should be carefully calculated. Only if you are confident that it is within your means to make these repayments should you consider going ahead with the transaction.

Summary

Money is borrowed using your property as security. Since there is some risk of loosing you property, usually your home, if you fail to meet the agreed conditions of the loan, then you should compare competitive rates from different lenders and carefully calculate your ability to make any loan repayments.

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