As a homeowner, a secured loan can be a great option
At The UK Loan Shop, we search from the many secured loans available for a loan with the best interest rate that we can find for you - that you could be accepted for.
A secured loan offers these great benefits
- Borrow from £5,000 to £100,000
- Rates start from as low as 8.6%APR variable
- For customers with credit problems, the maximum rate is just 29.9%APR variable
- Choose an affordable monthly repayment and loan term that you are comfortable with
- Use as a credit consolidation loan to pay off credit and store cards and reduce monthly outgoings
- Can be used as a bridging loan when moving home
- Bad credit such as CCJs, arrears or defaults? We could still provide you with a loan
- Ideal for larger purchases such as a new car, wedding or home improvements
Apply now - it takes just minutes to apply!
Applying for a secured loan takes just minutes...
Our secured loan application form takes just minutes to complete, so why not apply online for a fast no-obligation loan quotation and see what rate we could offer you!
Alternatively, if you would prefer to apply over the phone where a member of our experienced team can help answer any questions you may have, then please call 0845 519 8764.
Apply Online Call for a fast loan quote on 0845 519 8764
A wide range of secured loan options
Credit consolidation loans
If your credit repayments are higher than you would like each month, the why not apply for a secured loan to consolidate them into one single and affordable monthly repayment.
Using your loan for credit consolidation loan means you could pay all your credit cards, store cards and even unsecured loan balances off in full and choose a monthly repayment that could be considerably less than what you are paying now. You could be £100’s better of each month.
Home improvement loans
A secured loan could quickly provide you with the money you need to make home improvements - now, so you can then enjoy them for years to come and even add value to your home.
Whether you need the loan for an extension, conservatory or a brand new kitchen, you can borrow from £5,000 to £100,000 and take comfort in knowing your monthly repayments will be affordable.
Bad credit loans
If you’ve had problems with credit - we could find a loan to help you. Even if you’ve missed payments on other credit or have had CCJ’s, arrears or defaults - it doesn’t automatically mean that you won’t get a loan. We work closely with leading lenders and have access to a wide range of secured loan options for customers with many different financial circumstances.
Our maximum rate for people with severe credit problems is very competitive and much lower than some other loan options that are available.
Apply online now and we will search for a loan that fits your criteria and that you could be accepted for. We’ll also look for the very best rate we can find for you. Our rates start from as low as 8.6%APR variable and for customers with severe credit problems the maximum rate we offer is still as low as 29.9%APR variable.
Why not use the loan to consolidate your existing credit into just one lower monthly repayment. It could reduce your credit outgoings and help you to avoid missing monthly repayments. This could help you to rebuild your credit rating.
Apply now - it takes just minutes to apply!
Bridging loans
If you’re moving home and have not sold your property, but need money to help you finance the new purchase, then a bridging loan could be the perfect solution. With only 1 months redemption interest on some loans, it could be just what you need to make the move happen.
Any purpose loans
A secured loan really can be used for almost any purpose, and many customers take a loan to do several things with. For example, some customers consolidate existing credit and use the rest of the money to fund home improvements, like a new kitchen or conservatory.
Some use the money to fund new car purchases, help pay for a wedding or a special occassion and others may also use to treat the family to that special holiday that they have always dreamed of.
With low monthly repayments it can provide you with the financial freedom to do the things you want and repay the loan over a term that suits you.
Frequently asked questions
Will you lend to me?
In order to qualify for a secured loan you must meet the following criteria:
- You must be a UK homeowner
- You must be aged 18 or over
- You must be a UK resident
We can also help if:
- You have bad credit such as CCJ’s, arrears or defaults
- You are self employed or retired
- You have little or no equity in your property
Apply now - it takes just minutes to apply!
Can I repay my loan early?
Yes! You can repay the loan in full at any time.
We provide loans with settlement fees from as low as just one months interest. When you apply, this information will be detailed for you in your loan quotation.
Can I consolidate existing credit and still borrow extra?
Yes! What you use the loan for is up to you, so if you're applying for a homeowner loan to consolidate your existing credit repayments, you can apply for extra to spend as you wish. Many customers borrow extra for items such as home improvements and bigger purchases such as a new car or family holiday that they may not have been able to fund without it.
As a responsible secured loan broker we will need to ensure that the amount you apply for is within the loan to value of the equity in your property and is affordable monthly for you. If you are unsure, we can inform you of the maximum loan amount you could be accepted for when you apply.
I would like to apply for a...
I'm Interested in
Simply call 0845 519 8764 and our friendly customer service team can answer any questions you may have.
Also, have you seen our FAQ's?
Secured loan FAQ's Debt management FAQ's