Secured Loans from Adverse Credit Specialists

Apply for a homeowner loan and manage your monthly repayments. You can rearrange any existing credit into one low monthly payment, freeing up more of your money each month. You can spread your loan between 5-25 years to find a monthly repayment that suits you.

Secured Loans can be used for almost anything including debt consolidation, home improvements or even a holiday!

A second charge can avoid any early repayment charges that may be payable should you re-mortgage with your existing lender. In addition to this, you may well qualify for a cheaper rate compared to an Unsecured Loan (Personal Loan). Secured loans are often available even if you have been declined other forms of credit due to bad debts.

Self-certification schemes are also available when required, in additions to plans offering 125% of the property value. Loans are available from £5,000 to £250,000 over a period of 5 to 25 years. The loan can usually be arranged on either a repayment or interest only basis.

• Rates start from 7.2%
• Buy To Let Properties up to 85% LTV
• Loans available from £5,000 to £250,000
• Self Employed clients accepted up to 95% LTV
• Unlimited adverse schemes
• Pre emption ignored on ex-council properties
• Borrow up to 125% of your home’s value less existing mortgage balance
• Minimal mortgage history
• Interest only plans available


A secured loan can often be the best option when you need to raise finance as opposed to a re-mortgage, further advance or unsecured loan.

• A secured loan may let you avoid substantial early repayment charges on your existing mortgage
• Consolidation of Credit Cards, overdrafts and other associated debts
• Need to get funds fast
• Would like to borrow up to 125% of the property value
• May have a history of CCJ's, defaults and mortgage arrears
• Self employed may not have up to date accounts
• Require NO UP FRONT FEES
• Have been declined a further advance by existing mortgage lender
• Insufficient/negative equity


A secured loan can provide the advantage of only having to make one repayment each month. This may make budgeting a lot easier and may also decrease the likelyhood that you will miss payments and thus become subject to late payment penalties and other similar fees.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. All loans subject to status to homeowners aged 18 or over. Ask for a personalised illustration. By repaying your borrowing over a longer term, your overall interest charges will increase.

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