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Get Your Free Loan Offer Today - Click Here
There is NO FEE and you are under NO OBLIGATION!
We'll Compare over 250 loan plans and search over 90% of the loan market.
Applicants with bad credit history, Mortgage Arrears, Missed payments or CCJs are welcome.
The big UK banks are competing for your business - Apply Today
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Worried About Mounting Debts? Consider a Secured Debt Consolidation Loan
Are your debts mounting and you have no idea how you are going to ever pay them off, considering how high the interest rates are on them? Do you have a hard time coping with the outrageous interest rate payments, let alone trying to make a dent on the principal?
 Are you worried that after Christmas, you are going to be even more in debt, with more bills and more monthly interest charges to pay?
If you are a homeowner currently living in the UK, then you should understand that you have a fairly vast reservoir of borrowing power available to you, should you need it. If you find yourself swimming in expensive debt, then you should consider a secured debt consolidation loan.
Consider this. Most unsecured loans charge you an annual interest rate of 15% a year. Most secured loans charge you an annual interest rate of 8.5%. Which one would you prefer? By taking out a debt consolidation loan that is backed by the equity in your home, you can pay off all of your unsecured creditors in one fell swoop, and simply pay back your secured loan lender one payment per month. Not only do you benefit from paying a much lower rate of interest, but you only have to worry about one creditor, instead of many.
Applying for a secured loan is quick, simple and easy.
Apply today!
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Releasing Equity in Your Home Through a Secured Loan
If you are a homeowner living in the United Kingdom, and are over 18 years of age, then you should know that you have access to a great deal of borrowing power. Because you have equity built up in your home, you also have a great deal of collateral that you can use to "secure" a loan. Because you are taking out a secured loan, you are able to borrow more money as a result.
 There is a simple formula used to determine how much a homeowner can borrow.
Simply take the appraised value of your home.
Multiply that by 1.25.
Subtract from this number your total mortgage oustanding, and you are left with the maximum amount that you can borrow via a secured loan.
If you need money for home renovations, debt consolidation or perhaps the dream vacation that you have always wanted to take, then a secured loan is the right choice for you.
The best part is that since you are pledging the equity in your home as collateral against the loan, you can enjoy low interest rates and a flexible repayment schedule.
Click here to apply for a secured loan!
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Which Banks Offer Secured Loans?
The quick answer is: all of them do.
Secured homeowner loans are profitable loans for the banks, plus they are very low risk. Think about it - you are pledging the equity in your home as collateral for the secured loan. If you default on the loan, then the bank still has a means of collecting their money back. If you were a bank, why wouldn't you want to issue low-risk profitable loans to homeowners?
 This is the reason why secured loans are such a big business - lenders have very little risk and have a fairly decent reward for each loan. This is why there are literally hundreds of banks, building societies and secured loan lenders that will lend you money in the UK if you are a homeowner.
They may be called "secured loans", "homeowner loans" or "first advances", but practically every lender in the UK will lend you money if you own a home.
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How to Take out a Second Mortgage on Your Home
Taking out a second mortgage on your home doesn't have to be a complicated process.
 Lenders are eager to do business with you, and because of this, they streamline the process to make it as simple as possible. Lenders don't want to make the process a complicated one, because then a great deal of their customers would decide to apply somewhere else.
Taking out a second mortgage is extremely simple; as a matter of fact, we have made the process even easier for you. Simply click on the link below, and we will shop your loan around to the over 250 different lenders that we deal with. Just like with a mortgage broker, the secured loan lenders will fight to win your business, offering up low interest rates and flexible repayment schedules.
Submitting your application doesn't mean that you are obligated to take out the loan; if you change your mind or decide to apply elsewhere, you are not obligated to take out the loan.
Click here to apply for a secured loan today!
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How to Avoid Shady Secured Loan Companies
In any industry, there are good companies to deal with and there are bad companies to deal with. There are companies that will work with their customers to find the best deals, and there are companies that are predatory and are looking to gouge their customers at every opportunity.
 The question is: how do you differentiate the good companies from the bad ones? Here are a few things that you should look for when choosing a company:
1. How long have they been in business? Solid, reputable companies have usually been in business for many years. Fly-by-night companies set up shop and shut down all the time. Stick with the well-established companies.
2. Do they have a solid reputation? Do a Google search on the company. See what people are saying about them. Consult the Better Business Bureau.
3. Do they have strong customer service? Try calling them up. Do they offer 24/7 customer service? Are they responsive or are you always on hold?
4. Get quotes. Call up companies and ask how high their interest rates are, and how much an average monthly payment would be if you took out a secured loan.
Ask them to send you something in writing.
Click Here to Apply for a Secured Loan
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Can I Use a Secured Loan to Consolidate Credit Card Debt?
Credit card debt can be absolutely crippling. The problem with credit card debt is that you can easily have 3-4 different credit cards on the go at once, and lose track of how much that you owe. Credit cards are always happy to extend you more credit, so before you know it, you can be up to your eyeballs in credit card debt.
 The major problem is that interest rates on most credit cards are absurdly high, sometimes as high as 20% APR. With a good amount of credit card debt, it can be nearly impossible to even keep up with your interest payments every month, let alone make a dent on the principal.
However, if you own your own home or flat, there is good news. You can use the equity in your home to obtain a secured loan, which can then be used to pay off your credit card debt. Secured loans usually require you to pay about 8.5% APR in interest. The reason that the rates are so low is because you are a homeowner with equity in your home, and you will be pledging the equity in your home as collateral against the loan. Compare this against the 20% APR rate that most credit card companies charge, and you can easily see why many people choose to consolidate their credit card debt with a secured loan.
Apply for a secured loan is quick, easy and painless. Simply follow the link below and fill out our easy to use, 5 minute application form.
Apply today!
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Does the Current Lending Environment Affect My Chances of Being Approved for a Secured Loan?
There are many events transpiring in the world of finance as of late. The real estate markets in the UK have cooled off. The subprime meltdown in the US has travelled to the shores of the UK and affected the lending market. Northern Rock has undergone some incredibly tumultuous times.
 Does any of this affect your chances of obtaining a secured loan? Not really.
Because you are a homeowner and have equity built up in your home, you have a very low probability of defaulting on your loan. Yours is the business that banks are scurrying to obtain in these troubled times. The less unsecured loan exposure that these firms have the better, and the more secured loan exposure that they have, the better. Since you will be applying for a secured loan, these recent events don't really affect you as much. Banks will still lend to you, because you have collateral.
While they may be much more picky with who they lend to for new mortgages and unsecured loans, for secured loans, you will still have no problem finding multiple lenders that want to do business with you. So don't fret, and get to applying!
Click here to apply for a secured loan!
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Poor Credit Homeowner Loan Seekers: Pariahs or Valued Customers?
Do you find yourself in a situation where you are a homeowner living in the UK and you need to take out a secured loan, but are worried about your poor credit history?
 Do you have CCJ's, arrears or other blemishes on your record?
The first thing that you need to realize is that since you own a home and have equity in the home, that none of the blemishes matter. Whether you have arrears or bad credit or CCJ's, the fact that you have equity in your home makes you a great credit risk, because you can pledge the equity in your home as collateral when taking out a loan. Banks don't care about arrears when they know that they are covered in the event that you default on their loan.
We aren't talking unsecured loans here; we are talking secured loans, that are secured by the equity in your home. You need to realize that you are golden in the eyes of a potential lender, so you need to get out there and apply, and not worry about a bank rejecting you. If you own your home, chances are they will approve you.
Apply for a secured loan today!
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Adverse Credit Homeowner Loans in the UK
You may think that just because you have CCJ's, arrears are bad credit that you are not eligible for a secured homeowner loan.
Well in actuality, this couldn't be farther from the truth.
 Ask yourself these questions. Am I a homeowner? Am I a permanent resident of the United Kingdom? Am I over the age of 18?
If you answered yes to these three questions, then you likely qualify for a secured homeowner loan, regardless of any blemishes that you may have on your credit record.
Banks understand that you have equity built up in your home, so this makes you a much smaller credit risk than someone with a great credit history but no collateral. This is why banks and other lenders will gladly do business with you, even if you think that your credit history is not all that strong.
Apply for a secured loan today!
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Home Renovation Loans in the UK
Your home or flat is likely by far your most valuable asset.
Not only is it a valuable asset, but you spend most of your life in your home.
 Therefore, it makes sense that you would want your home to look as nice as possible, not only because it is aesthetically pleasing, but because it also increases the value of your home in case you ever wanted to sell it.
If you do the right renovations on your home, every dollar spent on renovations will yield two dollars in increased value.
So if you spend 20,000 pounds renovating your kitchen and bathrooms, your home will likely be worth 40,000 more.
As a homeowner, you have access to plenty of borrowing people should you need it. You can leverage the equity in your home and take out a secured loan to pay for your renovations. Most lending companies will lend you up to 100,000 pounds, but just borrow what you need.
If you are planning on selling your home in the near future, investing in renovations is a very smart investment idea. You want your home to stand out, and most likely you will receive your investment back and more when you sell the home.
Applying for a renovation loan is quick and easy.
Apply today!
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Home Equity Loans in the UK: Where to Apply
Choosing a home equity loan company to deal with is like choosing where to buy a new car.
 There are hundreds of different places where you can buy a car, but not all the places are the same. Some will provide you with legendary customer service, and some will try to get you the lowest price possible. Other places will offer you horrible customer service and will try to load every possible expense into the purchase of the vehicle as they can.
Secured loan companies are much the same way. There are really good companies out there, and really terrible companies. How do you know which are the good companies and which are the poor companies?
There are two ways to help clear the fog in terms of choosing which company to deal with.
You can either call up each company yourself, and try and get an idea of how good each company is and how they will treat you and how low their rates will be, or you can use a secured loan broker.
Secured loan brokers are usually the best choice, because they will do the legwork for you. They suffer if you are not happy with the secured loan company that they chose for you, so you are usually getting only the best companies to deal with when you go through a secured loan broker.
Time is money, and secured loan brokers will save you time, just like a mortgage broker will save you time.
Apply today!
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Can I Apply for Another Secured Loan If I Already Have One?
If you already have a secured loan, and need to apply for another one, then in most cases you will still be eligible to apply for a secured loan. As a matter of fact, most secured loan companies will consolidate your existing secured loan payments to allow you to make one easy monthly payment.
 The standard method of calculating the maximum loan amount that you can borrow still exists. Meaning, you take the appraised value of your home and multiply this by 1.25. Then, subtract your outstanding mortgage AND your outstanding secured loans, and you will then be left with the maximum amount that you can apply for, if you need an additional secured loan.
Most companies will be happy to work with someone who has an existing secured loan - just make sure that you mention up front that you do in fact have an existing secured loan. Secured loan companies work with all sorts of different cases, so don't be afraid to be up front in terms of which loans that you have, and what blemishes that you might have on your financial records.
But yes, in normal circumstances, you can certainly apply for a secured loan if you already have one.
Apply for a secured loan today!
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Should I Apply at Many Different Secured Loan Companies to Try and Find the Best Deals?
The simple answer to this question is NO and here is the answer why.
In most cases, each time you apply for a secured loan, your credit history is pulled. At some companies, this isn't the case, but at most companies, it is. Each time your credit is pulled, your credit history is negatively affected, so you can imagine why would happen to your credit score if you apply at 10-20 different secured loan firms.
 The best way to find the best deals is to either use a secured loan broker, who will shop around for the best deal for you without having your credit pulled at each firm, or by calling up each company and getting a quote over the phone. Or, at the very least, find companies that won't pull your credit for the initial application.
The best piece of advice that we can give you is to use a secured loan broker, who will shop around for the best deals with the most reputable firms. They will do most of the legwork for you, and you won't have to call 20 different companies to find the best rates.
Apply for a secured loan today!
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Fast Secured Loans: How to Speed up the Borrowing Process
Applying for a secured loan and receiving the funds doesn't have to be a lengthy process - it is all up to you. The process can either take a couple of weeks, or it can take a couple of months.
 The first thing is, fill out the application as well as you can. Pieces of information that you think are not important, or are too lazy to look up, will just have to be looked up later. Once your application is submitted, an agent from the lending company will call you up and go over your application, and if there are any incomplete details, the agent will ask you to fill in the missing information.
Then, the lending company will require you to mail in some papers in order to verify income, etc. This is the part of the loan process that normally takes the longest period of time. If you mail in the documents right away, the loan will normally be stamped for approval right away, assuming that they gave you pre-approval.
If you are on top of things, you could conceivably have your funds inside of two weeks. If you delay sending in required documents, then you could take months and months to finally complete the loan process. It is all up to you.
Apply for a secured loan today!
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Secured Car Loans - Financing the Vehicle of Your Dreams
Are you tired of driving around the same old clunker that you have been driving since the early '80s?
Are you tired of your car breaking down on the highway, and figure that now is finally the right time to go out and buy a new vehicle?
 Well if you own your own home or flat in the UK, then raising the funds for your vehicle is probably easier than you think.
Because you have equity built up in your home, you are seen as being a strong credit risk in the eyes of any lender. By using the equity in your home as collateral, you are able to pay much lower rates than someone who doesn't own a home.
Plus with secured loans you are able to borrow larger sums of money than an unsecured loan, so you can really go after that fash car that you've had your eye on for the last year or so.
Applying is quick and easy!
Apply today!
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Securing Your Future with an Online Homeowner Loan
Did you know that you can use the valuable equity that you have built up in your home to raise capital, even without having to sell your precious home?
 Did you know that by borrowing money against your home, you can pay much lower interest rates than people would normally pay with an unsecured loan?
Did you know that from the time of application until you actually receive the funds in your bank account, you can have these funds usually inside of 30 days?
The fact is, because you own your own home and have equity built up in your home, you are easily able to raise capital. Companies will lend you money based on an easy to follow formula (Appraised Value of Your Home x 1.25 - Outstanding Mortgage = Maximum Loan Amount) if you own your own home or flat and are a resident of the UK. If you have CCJ's, arrears or bad credit, this is no problem, companies will still be eager to do business with you.
You can borrow money for a multitude of reasons - home improvements, debt consolidation, travelling, buying out a business partner's interest; whatever you want to borrow money for, you will easily find a lender if you own your own home.
Applying is quick and easy. Simply follow the link below, and apply today!
Apply Today!
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Do I Have to Take Out a Secured Loan Company if They Approve My Application?
We receive these emails all of the time.
If a customer fills out a secured loan application and the company approves the application, are they obligated to go through with the loan, even if they don't want it anymore?
The answer is NO!
 If you fill out an online secured loan application and are accepted, you are still under NO obligation to actually accept the loan. Until all of the papers are signed, you are still able to back out of the process at any time.
Maybe you change your mind about wanting the loan at all, or maybe you decide to go with a company that is offering you a better deal. Until you actually sign the papers at the end of the process, you are not obligated to take out the loan with the company that you applied with.
So to answer your emails, you are not stuck with a company if they approved you - simply tell them thanks, but you are no longer interested, and that's that.
Apply for a secured loan today!
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Secured Loan Lenders in the UK: Finding the Best Deals
You would be amazed to know how many secured loan companies there are out there that are just dying to do business with you.
If you own your own home or flat in the UK, are employed, a permanent resident of the United Kingdom and over 18 years old, then you are golden in the eyes of any potential secured loan lenders. This is because you are able to pledge the equity in your home as collateral, which makes you a great credit risk in the eyes of any potential lender.
 So now, as a homeowner seeking a secured loan deal, how do you go about finding yourself the best deals?
The answer is simple: shop around. You are likely looking to borrow a very substantial sum of money, and paying a substantial amount of interest. So you should be careful with who you do business with.
You can either do the homework yourself or use a secured loan broker who will do the homework for you and find you the best possible deals. We have access to over 250 secured loan lenders and will work to get you the best possible deals.
Apply today!
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Home Equity Loans in the UK: Do I Qualify?
If you are a homeowner and a permanent UK resident, then chances are that you will qualify for any secured loan that you apply for.
 The reason is because you are a great credit risk in the eyes of the lending company, due to the fact that you have a substantial amount of equity built in your home. With a home equity loan, you are pledging the equity in your home towards the loan, which means that you have collateral. Due to the fact that you have collateral, banks are able to charge you a much lower interest rate than someone who is applying for an unsecured loan would pay.
If you have CCJ's, you still will be eligible to apply for a secured loan.
If you have bad credit, you will still be eligible to apply for a secured loan.
If you have had arrears, you will still qualify for a secured loan.
As long as you own your own home or flat and are a UK resident, you are normally golden and able to qualify for a secured loan.
Apply Today!
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Beware of Predatory Secured Loan Companies
Not all companies are created equal.
In any industry, you have your reputable, upstanding companies and your shady companies that seek to take advantage of their customers. The secured loan industry is no different, and you must do your homework prior to applying at any company.
 How do some companies take advantage of their customers?
Some companies will charge exorbinant "fees" for applying.
Some companies will charge ridiculously high interest rates. You should never pay more than 9.5% APR for any secured loan, otherwise, what's the point in applying for a secured loan?
Some companies will charge an arm and a leg for Payment Protection Insurance. You need to be especially careful about this one.
Treat applying for a secured loan like buying a car. Do your homework. Shop around. Stick to the reputable companies. If a company is long-established, that means that they probably have a fairly good reputation or else they wouldn't still be in business.
Shop around and use a secured loans broker to help you do your homework. Just be careful.
Apply for a secured loan today!
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Secured Loans in the UK
In the United Kingdom, secured loans are big business.
Because of that, there are literally hundreds of different lending institutions out there, eager to lend you money if you own your own home.
 Every bank, small or big, will lend you money. Then, there are the building societies. After that, you have the specialized secured loan lenders such as Picture Loans and Ocean Finance.
So much choice brings with it it a raft of different things to consider when you are thinking about applying for a home equity loan.
How long has this company been in business? How do their interest rates stack up against the competition? Do they offer flexible repayment schedules? Are they easily contactable?
When you start narrowing down the competition, you will likely just be left with a handful of companies that you would want to do business with. Just like shopping for a car, it pays to shop around and scope out the best deals.
Apply for a Secured Loan Today!
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Can I Apply for a Secured Loan if I have Bad Credit, Arrears or CCJ's?
The answer to the question in the title of this article is: absolutely. And let me explain to you why.
When you own your own home or flat, you have something that is very valuable, and that is: equity. Because of the equity that has built up in your home, you have collateral when you apply for a loan. And because you have collateral, banks will be much more likely to lend to you, even if you have arrears, a bad credit history or even CCJ's.
 The lender is willing to overlook all of this because they know that if you default, they are not taking a complete loss on the loan, because you have agreed to add this lender onto your mortgage.
Because the lender now has collateral, they are able to offer you lower interest rates and more flexible repayment schedules, which is a win/win for the customer.
Bad credit? No problem. Arrears? Fine? Current arrears? That's fine too. CCJ's? Surely a secured loan company won't want to do business with somebody that has CCJ's?
They can, they have and they will.
Apply today!
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The 125% Secured Loan
You may hear this term from time to time, and wonder just exactly what it means.
The "125% Secured Loan" is how most lending companies determine how much you are eligible to borrow. They determine this using a simple formula.
 First, they take the total value of your home. Then, they multiply this number by 1.25. Then, they subtract all of your outstanding mortgages on the home, and then you are left with the total amount that you are able to borrow from a secured loan lender.
Let's look at an example. Let's say that your home is currently worth 100,000 pounds. You currently have 25,000 left on your mortgage, and no other secured loans that are tied to the home.
So, take 100,000 and multiply it by 1.25, leaving you at 125,000. Then, subtract the 25,000 in outstanding mortgage, and you are then left with a figure of 100,000 pounds, which is the maximum amount that you can apply for.
This is not to say that you must take out 100,000 pounds for your loan - this is just the maximum. You can always take out 10,000, 25,000 or 50,000, or whatever amount that you like.
Applying for a 125% home equity loan is quick and easy.
Apply today!
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Finding a Reputable Secured Loan Company
There are literally hundreds of secured loan companies out there for you to choose from. You have your long-established companies which have been around for years, and you have your new companies which seem to promise you the world. How do you choose which company that you should go with, when they all seem to want to do business with you?
 In my mind, you should always stick with the long-established companies. If a company has been around for a number of years, then there is a good chance that they have a solid reputation. If they have a solid reputation, then that means that they treat their customers right.
I am sure that there are great companies out there who have just started their business, but I always like to err on the side of caution when we are dealing with loans that are worth a lot of money.
You should also choose a company that is very reachable (24/7 customer service is the preferred option) and you should also choose a company with which you will have a customer service agent assigned to you, so that if you have a question, you can contact them directly.
Lastly, read the fine print. Make sure that you know the interest rates and fees that they will be changing ahead of time. Don't allow yourself to get roped into taking out a loan with a place, only to find out later that you are being saddled with all sorts of hidden fees.
In the end, just do your research, and you will be glad that you did down the line.
Click here to apply for a secured loan
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Selecting the Best Secured Loan Company to Do Business With
There are literally hundreds of different secured loan firms out there that are eager to do business with you.
 There are reputable firms (such as banks) who will offer you reasonable interest rates and superior customer service. There are other not so reputable firms who are looking to rip you off and get as much money out of you as possible. The question is, how can you tell the difference?
The first piece of advice would be to do business with companies that have been established for a long while. If a company has been in business for a while, it usually means that they have loyal customers. If they have loyal customers, it is usually because they are a good company to do business with, and treat their customers fairly.
Next, find out how reachable these companies are. Do they have staff available to you 24/7? If they are only reachable via email or have very limited phone hours, then take this as a red flag.
When you do contact them via phone, ask them about their interest rates. What are the typical rates for a secured loan? You should not be paying more than 9.5% APR. After talking to them, research the company using Google. See what people are saying about them.
Finally, it is not a bad idea to go through a broker who is familiar with these companies. The broker will be able to steer you clear of the companies which are looking to charge you an arm and a leg, and instead lead you to the reputable firms. Brokers have reputations as well, and the last thing that they want is for their customers to be getting ripped off. They want your return business.
Apply Today!
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How Long Does The Secured Loan Process Take?
You may be wondering just how long the entire secured loan process takes, from application until the funds are actually deposited into your account. Here is a breakdown for you:
 1. The initial application. This is done by you, and will normally take no more than ten minutes. The more information that you fill out at this stage, the faster the entire application process will go.
2. An agent calls you back. This normally occurs within a day of the initial application. During this time, a credit report is pulled on you, and the agent will fill out an incomplete parts of your application. The agent will let you know at this stage as to whether or not you application has been preliminarily approved.
3. The secured loans company sends you out a package which you will receive in the mail. (3-4 days.)
4. You fill out this package, including any documents that the company has requested (pay slips, etc.) (1 week if you are fast and on top of things.)
5. The secured loan company will review your documents, and give you a final approval. (1-3 days.)
6. After all of the forms and papers have been signed, the company will usually deposit the funds straight into your bank account, after the lawyers have processed everything. (1 week.)
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Secured Debt Consolidation Loans - A Homeowner's Best Bet for Paying off Credit Card Debt
Is debt ruining your life?
Are you up to your eyeballs in credit card debt, with no chance of getting out from under it anytime soon? Are the interest rate payments alone hard to pay off, let alone making a dent on the principal?
Do you own your own home or flat?
 If you do, then you are in luck, as you qualify for a "debt consolidation loan", which you can use to consolidate your outstanding debts into one easy monthly payment. And the great thing is that since your loan is backed by the equity that you have in your home, you will pay much lower interest rates than someone else who does not own their own home.
The most beneficial thing is the lower interest rates. Most secured loans will require you to pay about 8.5-9% APR, whereas credit card debt can run as high as 20%. That is a major difference, and you will be able to easily consolidate all of your debt into one easy monthly payment.
Apply today!
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Homeowner Loan Applications
When you are filling out a homeowner loan application, you may be flustered when you initially see the amount of information that you need to fill out.
 The more information that you provide the secured loan company though, the faster that your application will go through. Some people, when filling out an application form, will choose to submit as little information as they possibly can, for whatever reason.
This may seem like a good idea at the time, but in the end, it will just slow up the application process. The information is requested for a reason, and if you don't fill it out, then someone will just have to call you up and request this information from you, rather than immediately submitting the application for approval.
All details are kept under lock and key and are never resold, so for privacy reasons, you needn't be concerned as to where your information is going.
Our homeowner application form is short and easy to use. We will shop for the best deals amongst the 250+ lenders that we actively deal with, and your details will be kept confidential.
Apply today!
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Get a Loan Online: Four Things Homeowners Need to Know Before Applying for a Loan
Applying for a loan through the Internet is quick, easy, and most importantly, extremely safe. Companies are very eager to do business with you, and the last thing that they would want to do is do anything to anger you, such as selling your private information to other companies.
 Before you apply for a loan (we have a simple and easy to use application form at the bottom of this page), there are four things that you should know before applying. They are:
1) Fill out the application as best as you can will save a lot of time. If you spend that extra five minutes and make sure that every field is filled out properly and accurate, it will save days worth of time during the loan process.
2) Fill in as many contact numbers as possible, and always try to be around during your "contact" times. If you make it as easy as possible for the loan company to reach you, then you will speed up the loan application process greatly.
3) Don't apply at multiple places at once. Wait to hear back from the company that you have applied with before applying elsewhere. Why? Everytime your application is looked at, your credit report is pulled. Having ten different companies pull your credit can damage your credit rating.
4. Fill out the forms and send them back to the loan company as soon as possible. The biggest reason for a lengthy loan application process? The borrower not sending back their package right away. If you do this right away, you will be cutting down your loan turnaround time from 5-6 weeks to 1-2 weeks until completion.
Apply today!
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Secured Equity Loans: Taking Advantage of the Equity Built Up in Your Home
If you own a home or flat, you may be much richer than you think.
Not only do you probably have a substantial amount of equity built up in your home, but you should also know that you are able to use this equity to fairly easily take out loans, even if you have arrears, CCJ's or bad credit.
 Lenders will fight to get your business via a secured equity loan, which simply means that the loan is backed by your home. The more equity that you have in your home, the bigger of a loan (with reasonable interest rates) that you can apply for.
It works like this. Take the total appraised value of your home, and multiply by 1.25. Subtract your current outstanding mortgage balance, and you will be left with the maximum loan amount that you can apply for. So if your flat is worth 100,000 pounds, and you currently owe 25,000 pounds on your mortgage, then you would qualify for a 100,000 pound mortgage.
Applying is quick and easy. We work with over 250 different lenders who are eager to do business with you. Take five minutes out of your day, and apply today!
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Financing the Renovation of Your Home with a Home Equity Loan
Renovations are a wonderful thing when it comes to increase the value of your home.
Usually, for every dollar that you put into renovations, you get about $2 back in terms of added value to your home. Re-do your bathroom for 10,000 pounds and you add 20,000 pounds worth of value to your home. Put in a completely new kitchen for 20,000 pounds, and you are adding 40,000 pounds onto the value of your home.
 Taking out a home equity loan to finance your renovations can be a pretty savvy move. Home equity loans offer some of the lowest monthly interest rates, because the loan is backed by the equity in your home. Since you have collateral, the lender won't be able to charge you high interest rates than an unsecured loan would be required to pay.
Considering how much value you will be adding to your home, it is definitely a smart idea to consider financing your renovation with a home equity loan, especially if you are considering selling.
Applying is safe, quick and easy. Simply click on the link below and we will find the best deal for you from the 250+ lenders that we work with.
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Do I Qualify for a Secured Loan?
A better question would be: do I own a home or flat in the UK?
Because if you do own a home or flat in the UK, then chances are that you will qualify for a secured loan.
 Secured loan companies will still do business with you if you have really bad credit, arrears, CCJ's or if you are self-employed.
See, if you have equity built up in your home, then a lender has collateral. If they have collateral, then they will do business with you, because if you default, they don't lose all of their money.
To figure out how much you might qualify for, simply take the total value of your home, multiply it by 1.25, and then subtract your total outstanding mortgage from this amount. You will be left with the total secured loan that you can qualify for.
So let's assume that your flat is worth 100,000 pounds, and you currently have a 25,000 pound mortgage left on it. This means that you would qualify for a 100,000 pound mortgage based on the formula.
Apply is quick and easy. We deal with over 250 different lenders who are all eager to do business with you if you own your own home or flat.
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Low Interest Rate Secured Loans - Where To Go to Secure the Best Deals
There are literally hundreds of different lenders out there, eager to lend you money. Given the fact that you are a home or flat owner, you are absolutely golden in the eyes of a lender. For this reason, basically ever secured loan lender, bank and building society will be falling over themselves to lend you money.
 But beware - there are shady companies out there who will look to exploit their customers through sky-high interest rates and extremely inflexible repayment terms.
Just like when you applied for a mortgage you may have used a mortgage broker, you can also use a broker for your secured loan.
We can help. We deal with over 250 different lenders who will be more than eager to lend you money, if you are a homeowner. We weed out the bad apples, and only stick with the companies that offer low interest rates, strong customer service and flexible repayment terms.
Fill out our five minute application and put us to work. Apply today!
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Taking a Second Mortgage Out on Your Home
Sometimes, taking out a second mortgage on your home is the right thing to do financially.
If you find yourself faced with mounting debts or need to complete an expensive renovation on your home, a secured loan can be the cheapest and most economically viable way to go.
 Because you have equity built up in your home, banks and/or lenders see you as being a strong credit risk. Due to the fact that you are a strong credit risk (meaning, you are seen as not having a high risk of defaulting on your loan), secured loan companies will offer you lower interest rates.
The equity that has been built up in your home is a very powerful tool, and banks look at you as being golden when it comes to lending you money.
Compare the interest rates that you would pay on a secured loan versus an unsecured loan. The difference over the full loan term is phenomenal. As long as you maintain your payments, you have nothing to worry about.
We work with over 250 lenders in the UK, and will find you the best deal possible.
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How to Find the Best Secured Loan Offers
Did you know that there are literally hundreds of different lenders, banks and building societies that will gladly lend you money if you own your own home or flat in the UK?
 The problem is that they run the full spectrum from great, well-established lending companies to predatory and dodgy companies. They are all out there. The question is, how do you find the best offers from the most reputable companies?
That is where we come in. We deal with only the best and most established lenders in the UK. We are only happy if you are happy. We screen out the dodgy companies with poor customer service, and we only deal with the companies that will treat you, the customer, like gold.
Put us to work. Fill out our simple five minute application, and we will figure out which companies are best suited to your needs, and which companies will provide you with the absolute lowest interest rates.
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Secured Loans for UK Homeowners
Finding the best secured loan deal can sometimes be difficult.
I mean, you need to realize that there are literally hundreds of companies out there vying for your business. They will all have their strong points and weak points; one company might offer low interest rates but offer subpar customer service, while another company might offer great customer services but have higher interest rates.
 Every bank, building society and secured loan lender wants to lend you money if you are a homeowner in the UK. How on earth do you decide who to deal with?
Your best bet is to use a middleman, such as our site. We are only happy if you are happy, and we will strive to find you the best possible deal. We will find you that perfect combination of a company with affordable interest rates, a flexible repayment schedule and great customer service. Because that is exactly what you deserve.
Take five minutes out of your day and apply for a secured loan today!
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The Home Equity Loan Application
When applying for a home equity loan, you need to realize that there are certain pieces of information that the potential lending company will need in order to ensure that they are able to process your application in a swift and timely fashion.
 You will need to provide the company with a full address. In addition, you need to ensure that the company is able to contact you, so provide them with your land line, cell phone number and email address.
In addition, if you are married or if the home / flat is jointly owned, you will need to provide the same information for the person who jointly owns the home. Contact information, their mailing address, etc. You will also be asked details regarding your job (how long you have been employed, how much you make, etc.) The same details will be asked of the person who jointly owns your property.
You will then be asked questions about your property and the mortgage that is on this property. What is the property made of? How many bedrooms? How long have you owned it? Who is your mortgage with? How much is left outstanding?
Then, you will be asked some closing questions, such as: have you received any secured loans from any other companies? Do you have permanent resident rights? Did you receive a discount from council when purchasing your home? Have you lived in your home for at least 3 years, and if not, where did you live prior to this?
All in all, the home equity loan application should take no more than 10 minutes to fill out. If your home is jointly owned, then make sure that you have the other person's proper information in order to speed up the application process.
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Is a Secured Loan Right for you?
This article seeks to answer two questions. What is a secured loan, and is it the right financial solution for you?
 First off, what is a secured loan? If you own a home or flat, then you are eligible to receive a secured loan. Basically this means that the lending institution will add themselves on another mortgagee onto your mortgage, guaranteeing themselves that they will be able to get their money back, should you default on the loan. Because the lending institution has more security, they can offer your a lower rate than an unsecured loan.
Now, is a secured loan right for you? If you have spiraling credit card debt, then absolutely a secured loan is right for you. You will find that interest rates on a secured loan are much lower than the interest rates on your credit card debt, so it makes much more sense to take out a secured loan versus paying off your credit card.
Another instance in which a secured loan makes sense is if you are doing renovations on your home. You are adding to the value of your home by investing in renovations, so taking out a secured loan to enhance the value of your property makes sound financial sense. If you are planning on selling the property, you can pay off the secured loan company when you sell.
Do you need to apply for a secured loan? Use our application form, and we will get you a quote within a couple of minutes.
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Home Improvement Loans: Increasing the Value of Your Home
You might be surprised at just how much value some well thought-out home improvements can add to your home. If you are a little leery about paying a bunch of money for home improvements, then you need to think of it as a business decision. If you are in need of funds to finance the renovations, then it might not be a bad idea to take out a secured loan on your home in order to finance the improvements, without emptying out your bank account.
 10k pounds spent on renovating your home could potentially add 20-30k pounds of value onto your home, possibly more. With a secured loan with a low APR, taking out a loan becomes a sound business decision, as the value that you will realize will far outweigh the interest that you pay on the loan.
Not sure if you will be approved for a loan? Then fill out our simple to use application, and you will have a quote within minutes. We are partners with over a hundred lenders in the UK. We accept all credit types and situations.
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Secured Loan Quotes: How to Obtain the Best Deal
So, you're in the market for a secured loan, but are wondering where you can find the best deal?
 Just like in any other industry, there are really good companies to deal with, and really bad companies to deal with. Some companies will charge you in the neighborhood of 7.5% APR for your secured loan, which is a pretty good deal, whereas other companies will charge a criminal 20%+ APR for your secured loan. You really have to be careful and make sure that you do your research before applying.
With hundreds of secured loan companies out there, vying for your business, it can be nice to have a hand in selecting the best deal. That is what we are here for. We are able to shop around for you for the best deal, as we deal with over 200 secured loan lenders. Fill out our five minute application and then let us do the work for you. You will receive a free, no obligation quote almost immediately.
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Online Homeowner Loan: Where To Find the Best Deals
So you are in the market for a homeowner loan, and you don't know where to go?
Is there a major expense presenting itself in your life (debt consolidation, major renovations, trip of a lifetime) and you don't know how you are going to pay for it? Do you own your own home or flat?
 Well as you probably know, you can use the equity built up in your home to apply for a secured loan. Our site partners with over 200 lenders to find you the best homeowner loan quote. The best part is that the quote is free and you are under absolutely no obligation to accept the loan once you are accepted. Let us find you a great deal. Just fill out our five minute application form and let us do the rest.
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Equity Release: How to Use the Equity in your Home to Finance Your Dreams
If you are nearing your retirement age and own your own home or flat, there is a good chance that you have a tremendous amount of equity locked up in your home. You may be nearing your retirement and wondering how you can have a little more cash on hand, maybe to travel the world or buy a vacation trailer so that you can drive around the UK. Or maybe you are younger, and simply want to use some of the equity in your home to finance a renovation or a new car.
 Meet the equity release. An equity release is just as it sounds; you are releasing some of the equity from your home in the form of a tax-free lump sum of cash. You will pay a typical APR rate of about 7%, depending on the firm that you sign up through, and can receive anywhere between 5000 - 100,000 pounds.
We deal with over 200 different lenders. Fill out our 5 minute application form and receive your free, no obligation quote.
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