Independent Secured Loan Specialists
claim a 2% cashback payout on all UK secured loans

Reasons for a Secured Loan or Homeowner Loan

Home Loan

Home Loan

As our circumstances change it's natural that we want to alter our living space to match our current needs and individual taste. You might yearn to completely refurbish your home and taking out a secured home loan may be the only way to achieve this.

Wedding Loan

If you've owned a property during recent house price growth then you'll have made substantial equity gains. When it comes time to get married and celebrate the marriage in style then the necessary funds might not be immediately available from salaries or savings.

According to Brides magazine, 12% of UK couples take out a loan for a wedding. A secured loan can mean one-off expenses, like a wedding, can be funded without having to wait until all the money has been saved.

When the funding is in place the couple can relax and avoid a distracting penny-pinching attitude to the event, and concentrate on making their big day really, really special.


House development

Sometimes people secure a loan on their home to buy another property they wish to develop, known as a 'Buy-To-Let'.

In the UK, people get inspired by TV programs on property developing, such as 'Property Ladder' and want to have their own development. There's the potential for making lots of money, certainly enough to maintain outstanding loans and make a profit.

Setting up in Business

Perhaps you have a great business idea and want to branch out in a new venture? Borrowing money against your home can turn your business dream into a reality.


Holiday Loan

Sometimes there are once-in-lifetime opportunities where we have to boldly seize the moment, live for today and take a really exotic holiday.

The destination might not be there in the future due to global warming; the close relative in Australia we've not seen in years; a one-off much needed break between jobs and contracts.

Sometimes waiting until we're old, retired and rich isn't the wisest choice because we'll be too old, too retired and too rich to fully enjoy that type of more adventurous holiday.

Cars & Prams

Home Loan

Or perhaps, for work reasons it's essential to upgrade the car. And at the same time, a new baby on the way...

Debt Consolidation

Consolidating debt through a secured loan is an attractive alternative to those who are unable to re-mortgage, for any number of reasons. Some people don't want to lose out on a very favourable mortgage rate, or they wish to repay their loan over a shorter period.

Helping the next generation

Parents who have built up large equity in their property can release that value to help their children get on the property ladder.


The major expenses in life are often concentrated at specific times, such as marriage, setting up a home, setting up in business, children going to University. Borrowing during times of high expenditure and clearing the debts at other times is typical.

Secured loans are given to you for any purpose. Whereas, unsecured loans usually have to be explained. A lender will want to know why you want the money and what you will use it for. More questions are asked of the borrower because the lender is taking more of a risk.

One advantage of a secured or homeowner loan is that the monthly repayments are often a lot cheaper than with unsecured loans. Interest rates are high on unsecured loans because it's more risk for the lender.

If you own a UK property that's gained in value then what's the point of paying so much extra for unsecured loans? If the extra you pay erodes your financial position then the unsecured loan route becomes more risky for you. This is why secured loans are becoming a more popular type of loan.

What is a Secured Loan?

Homeowner loans, second mortgage, home loans, second charge, secured loans these are all related terms. Read more... Credit Crunch

How to Avoid Damaging Your Credit File

Simple tips to protect your credit record Read more... Credit Crunch

Credit Crunch Explained and its Impact on the UK Economy

What is credit crunch is all about? What is does it mean for us? Read more... Credit Crunch

Secured Loans to Consolidate Credit Card Debt

Use the equity in your property to simplify your finances and save money Read more... Credit Crunch

Secured Loans for Home Improvements

Don't delay that extension,loft conversion or emergency repair work. Protect and increase the value of your main investment. Read more... Credit Crunch

Every Person Taking out a Secured Loan Should Look at Cashback

Why pay more for exactly the same product? Cashback is available on all UK Secured Loans. Read more... Credit Crunch

Secured Loans For Your Wedding

Enjoy the big day in style without fretting over cost: first get the finance in place. Read more... Credit Crunch

Secured Loans - A Review Of The UK Market

In a changing market use the internet to find the best deals Read more... Credit Crunch

Secured Loan vs. Remortgage: The Pros and Cons

Trying to decide between a smaller secured loan or a total remortgage? Read more... Credit Crunch

Home Loans Explained

Learn more and grasp the essentials about home loans Read more... Credit Crunch

Lenders' Cash Funds Are Still Available Despite The Credit Crunch

But what criteria are lenders applying? Read more... Credit Crunch

Cashback credit cards give you extra cash every time you spend

Get the best cash back credit cards and earn cashback while you spend Read more... Cashback Credit Cards

House Prices – Facts That Maintain The Value Of Your Home

An analysis of the latest in UK house prices Read more... House Prices UK

Homeowner loans : 10m of Government help on debt advice services

Details of how the government intend to improve debt advice services Read more... home owner loans

Say Goodbye To Your Expensive Credit Card Balances

Too many credit cards? Here's how to make a fresh start and simplify your finances Read more... Credit Cards

Cashback is an easy way to cut your bills and buy most things online cheaper

Find out how use cashback offers to buy online purchases cheaper Read more... Cashback offers

Home Loans : A Simple Guide

Read more...Home loan guide

How To Improve Your Credit Rating

Find out simple ways to improve your credit rating and credit score, and therefore get offered a better individual interest rate on your secured loan.Read more... Improve your credit rating

What is the Credit Crunch?

What are the implications of the credit crunch Read more... Credit Crunch

Guide to Interest Rates

If you don't know your APR from your Repo Rate then Read more... interest rates

Understanding Loan Jargon

If you've come across a phrase or term related to loans that your not sure about, or you want to learn more about loans then browse the explanation in this comprehensive list of Loan Jargon terms. Read more... Loan Jargon

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