Secured
Loans

Consolidate your debts, improve or extend your home or make an important purchase

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£10,000 to £1.5m

We compare 100s of loans to get you the right deal
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Tailored to you

Get a personalised quote
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Quick and easy

Simple online application
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Won’t affect your credit score

Getting a quote from us will not affect your credit score
Get a secured loan quote now
Get a quote
or call our team
on 020 7940 1513

Fast secured loans for any purpose

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Free property valuation
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No up-front fees or hidden charges
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All property types considered, including buy-to-let
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Interest only products available

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Your secured loan questions, answered

It’s a loan that’s secured against your home, so you need to own your own property or hold a mortgage to be eligible.

Secured loans can be used for many different purposes, including home improvements, debt consolidation or to buy a new car.

Once the second charge mortgage is agreed, the money will be paid into your bank account and it’s yours to spend.

You’ll then start making your lower monthly payment to the lender until it’s paid off.

 

 

A secured loan may enable you to access the cash that is tied up in the value of your home without needing to re-mortgage or extend the term of your current mortgage deal.

If you’ve got good credit, a secured loan should be cheaper compared to an unsecured loan.

If you’ve got bad credit, you’re more likely to be accepted for a secured loan because the lenders have your home as security.

You can usually borrow larger amounts of money, and spread the payments over a longer amount of time, compared to an unsecured loan.

To be eligible for a secured loan, you’ll usually need to be a homeowner. This is because the lender will secure the loan against the equity in your property.

In other words, it’s based on the difference between the current value of your property and the amount you owe on your mortgage. So, if you have little or no equity in your home, you may not be eligible for a secured loan.

The amount you can borrow will depend on how much equity you have in your property, how much you can afford to repay each month and your credit rating.

Yes, you can. In fact, a secured loan may be easier to get hold of than other types of loan if you have a bad credit rating.

And, if you keep up with the repayments on a secured loan, you can actually repair your credit rating over time.

Yes, you can. In fact, a secured loan may be easier to obtain than other types of loan if you are self-employed.

No, getting a quote will not impact your credit score.

Whatever type of loan you’re looking for, or whatever part of the loan process you’re at, a broker can help. It’s not just about finding the lowest interest rate — there are other things to consider. For example, if you’re thinking about starting a family, flexibility is an important feature. Or if you want to renovate, easy access to equity can help. With so many products, you have so many choices. Once we agree on the right secured loan for you, we take care of the application and get everything in place for the approval process, then see it through to completion. We do the hard work for you.

Yes, second charge mortgages/secured loans are regulated by the Financial Conduct Authority (FCA) so you should always make sure that you are working with an FCA approved broker. Newable Commercial Finance Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (FRN 723703).

  • What is a secured loan ?
  • How do secured loans work?
  • What are the benefits of a secured loan ?
  • Who can get a secured loan ?
  • How much can I borrow?
  • Can I apply for a secured loan if I have bad credit?
  • Can I apply for a secured loan if I’m self-employed?
  • Will getting a quote for a secured loan affect my credit score?
  • Why use a secured loan broker?
  • Are secured loans regulated?

It’s a loan that’s secured against your home, so you need to own your own property or hold a mortgage to be eligible.

Secured loans can be used for many different purposes, including home improvements, debt consolidation or to buy a new car.

Once the second charge mortgage is agreed, the money will be paid into your bank account and it’s yours to spend.

You’ll then start making your lower monthly payment to the lender until it’s paid off.

 

 

A secured loan may enable you to access the cash that is tied up in the value of your home without needing to re-mortgage or extend the term of your current mortgage deal.

If you’ve got good credit, a secured loan should be cheaper compared to an unsecured loan.

If you’ve got bad credit, you’re more likely to be accepted for a secured loan because the lenders have your home as security.

You can usually borrow larger amounts of money, and spread the payments over a longer amount of time, compared to an unsecured loan.

To be eligible for a secured loan, you’ll usually need to be a homeowner. This is because the lender will secure the loan against the equity in your property.

In other words, it’s based on the difference between the current value of your property and the amount you owe on your mortgage. So, if you have little or no equity in your home, you may not be eligible for a secured loan.

The amount you can borrow will depend on how much equity you have in your property, how much you can afford to repay each month and your credit rating.

Yes, you can. In fact, a secured loan may be easier to get hold of than other types of loan if you have a bad credit rating.

And, if you keep up with the repayments on a secured loan, you can actually repair your credit rating over time.

Yes, you can. In fact, a secured loan may be easier to obtain than other types of loan if you are self-employed.

No, getting a quote will not impact your credit score.

Whatever type of loan you’re looking for, or whatever part of the loan process you’re at, a broker can help. It’s not just about finding the lowest interest rate — there are other things to consider. For example, if you’re thinking about starting a family, flexibility is an important feature. Or if you want to renovate, easy access to equity can help. With so many products, you have so many choices. Once we agree on the right secured loan for you, we take care of the application and get everything in place for the approval process, then see it through to completion. We do the hard work for you.

Yes, second charge mortgages/secured loans are regulated by the Financial Conduct Authority (FCA) so you should always make sure that you are working with an FCA approved broker. Newable Commercial Finance Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (FRN 723703).

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1
Tell us how much you need
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2
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3
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We will be there every step of the way, with access to 60+ lenders we will find you the best deal for your requirements.

Or speak to one of our experts over the phone on 029 7940 1513