Complete our online application form and we’ll search for the best deal for your requirements
Defaults or CCJs, self-employed or retired, we’ll find the right loan for your circumstances
Using leading technology, we’ll find the most suitable product to meet your needs
A secured loan / second charge mortgage is money that you borrow, which is secured against your property. You need to be a homeowner to be eligible.
Yes, it is possible to borrow even with bad credit. We do our utmost to help everyone who needs support, even if you have a history of defaults or CCJs.
We have access to a comprehensive panel of lenders who will loan up to £500,000. You can borrow anywhere between £5000 and £500,000.
The repayments can last anywhere between 3 to 30 years, depending on what you’re comfortable with paying back.
Homeowner loan rates start from 2.90%, but it is largely based on individual circumstances.
Should you find yourself able to repay early, you’re free to do so in full at any time. It is worth noting that you may incur an early repayment charge with some products.
If you borrow £26,OOO over 10 years, initially on a fixed rate for 5 years at 5.05% and for the remaining 5 years on the lender’s standard variable rate of 4.65%, you would make 60 month payments of £310.37 and 60 monthly payments of £307.37. The total amount of credit is £29,195; the total repayable would be £37,245 (this includes a lender fee of £595 and a broker fee of £2600). The overall cost for comparison is 7.90% APRC.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS ON A MORTGAGE.