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A secured loan is money borrowed against an asset you own, such as your home. Common types of secured loans include mortgages, which you take out to buy a property, and home loans, where you borrow money against your home equity.
In these situations, your home acts as security for the lender as they could repossess and sell the property if you fail to meet the repayments on the loan. The fact that the loan is ‘secured’ against something gives secured loans their name and typically means you pay a lower interest rate than unsecured loans, as it gives the lender more security.
The amount a lender is willing to offer you is based on several factors, including:
The maximum amount you can borrow may also depend on your loan-to-value (LTV) ratio. This is the size of the loan you take out as a proportion of the value of your home.
With so many different types of secured loan deals out there, how do you know which one is right for your needs? Fortunately, that’s where we come in…
Consumer Experts is a UK-based consumer comparison service. We have already helped thousands of people compare and save on a variety of products and services, including both secured and unsecured loans. To start your search and find the most suitable loan for you, start by checking our secured loan calculator below to get a breakdown of your estimated costs or, alternatively, you can head straight over to our two-minute form to explore your options from our partners.Â
You could borrow up to: £0.00
At a loan to property value (LTV) of: 0%
This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender or credit broker before taking out a loan.
Consumer Experts is a trading style of TFLI (US) INC, an Appointed Representative of TFLI Limited who is a credit broker, not a direct lender, and is entered on the Financial Services Register under reference number: 723630.
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.
FEES MAY BE PAYABLE ON DEPENDING ON YOUR CHOICE OF PRODUCT. THIS WILL DEPEND ON YOUR CIRCUMSTANCES AND WILL BE DISCUSSED AT THE EARLIEST OPPORTUNITY.
We are Consumer Experts and we are dedicated to helping people across the UK compare and save on a range of essential services. We do this by working with industry leaders to provide you with quotes tailored to you and your unique needs.
By using your personal details, we’re able to ensure that the offer you get suits you. Your own needs are different to those of someone else, and we believe in getting you not just a deal, but one that meets your needs.
There are numerous benefits of a secured loan, the main one being the fact that they allow you to borrow a large amount of money for an extended time. They also typically come with lower interest rates compared to unsecured loans, due to the added security they give the lender.
By using your personal details, our partners are able to offer you a service that suits you. Your own needs are different to those of someone else, and we believe in getting you not just a deal, but one that meets your needs.
We could find you a suitable loan from one of our partners, who will provide you with an offer based on your personal circumstances. To start your search and find the most suitable loan for you, start our two-minute form.
*Our application form doesn’t impact your credit score. A full application directly with a provider may result in a hard credit check, which could affect your credit score. We recommend reviewing the provider’s terms carefully before submitting an application.
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