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Secured Loans

Secured Loans

As a homeowner you could borrow from £5,000 to £2,500,000 with our low rate secured loans

If you are looking to borrow money for a wedding, home improvements, a new car, or to consolidate existing credit - maybe there’s more than one reason - secured loans can give you the money to make it happen, with an affordable monthly repayment that suits you.

See if you qualify for a secured loan from £5,000 to £2,500,000 before you apply, simply by answering a few questions. It will provide you with an immediate answer and can even tell you the maximum amount you could borrow.

Please be aware that when consolidating items of credit, whilst your monthly repayments may reduce, you could be extending the term and therefore the total amount of interest you will pay.

Do I qualify?

A decision on your secured loan in minutes

Apply now and you could get a decision on your loan application within minutes. We compare the latest loans from the UK’s leading lenders to make sure you get the lowest rate secured loan available to you.

Representative Example: If you borrow £37,000 over 14 years at a rate of 7.70% variable, you will pay 168 instalments of £390.57 per month and a total amount payable of £65,615.76. This includes the net loan, interest of £25,530.76, a broker fee of £2590.00 and a lender fee of £495.00. The overall cost for comparison is 9.5% APRC variable.

  • Decision in minutes

    No matter how you apply, you could get a decision on your loan within minutes. (During working hours.) We keep things quick and simple.

  • No credit search footprint

    Our soft credit search means you receive an immediate decision based on your criteria, without affecting your credit score.

  • Low monthly repayments

    With our secured loans you can choose a plan that suits your finances. You can pay it off quickly or extend the term to reduce your monthly repayments – either way you are in control.

  • Reduce outgoings by £100s

    Consolidating credit cards, store cards and catalogue credit with a lower rate homeowner loan could reduce your outgoings by £100s each month – leaving you to enjoy life with less financial pressure.

  • Make overpayments

    You can make overpayments without charge with many of our secured loans. This may also reduce the amount of interest you pay in total.

  • Fixed repayment terms

    Fixed rates are available on some loans so you know what your monthly repayment will be for the full term of the loan.

Apply now

To apply by phone call 01923 678 870 (8am - 7pm Mon to Fri, 9am - 12pm Sat.)

Secured Loans FAQs

What are secured loans?

Secured loans, also known as homeowner loans, are loans secured against your property. Secured loans are ideal if you want to borrow a large amount of money and are usually used to consolidate existing credit or to make home improvements.

Secured and because your property is provided as collateral for the loan, loan providers see you as less of a risk. However, your home could be at risk if you are unable to repay the loan.

What do I need to qualify for a secured loan?

You need to be a homeowner with an existing mortgage. Your mortgage is the first charge on your property, and a secured loan is a second charge.

How much can I borrow

Secured loan amounts are available from around £5,000 to £2,500,000 but if you have a request that is outside this range, we may still be able to help on a referral basis. Please contact us and we will do our best to help you.

How long does it take to get the loan?

It can vary from loan to loan but from the day you call us, we aim to complete your loan in just two weeks and we will always keep you informed throughout the process. We pride ourselves on offering the best possible customer service and as a result, believe we can offer one of the quickest completion times within the secured loan industry.

Can I borrow more in future?

If you would like to increase the amount you wish to borrow, simply contact your friends here at Loans Warehouse to discuss your options.

Does it require a credit check?

At Loans Warehouse we conduct 'soft searches' which do not affect your credit rating in any way. We promise not to leave a footprint on your credit rating.

Have a question not listed here? Visit our FAQ section.

Please ensure you have read and understood all information before applying.

To ask a question or apply

01923 678 8708am - 7pm Mon to Fri, 9am - 4pm Sat

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  • Nikki has gone above and beyond my expectations on her service levels and I would have no hesitation in recommending your company.

    Nikki has gone above and beyond my expectations on her service levels and I would have no hesitation in recommending your company.

    Debbie, Ashton-Under-Lyne

  • Just wanted to drop you a quick line to say thank you for all your help securing the loan we requested. Throughout the process you acted professionally but seemed to care and helped us through each stage.

    Just wanted to drop you a quick line to say thank you for all your help securing the loan we requested. Throughout the process you acted professionally but seemed to care and helped us through each stage.

    Kevin, Portsmouth

  • Thank you so much for your help recently in sorting a loan out on our behalf. You we're really helpful, have a loverly manner which put us at ease, were very very efficient and made the whole process really simple.
You are a credit to your company.

    Thank you so much for your help recently in sorting a loan out on our behalf. You we're really helpful, have a loverly manner which put us at ease, were very very efficient and made the whole process really simple. You are a credit to your company.

    Steve & Caroline, Rugby