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Why Choose A Secured Loan?

With the various loans that are available why decide to choose a secured loan that puts your property up as collateral?

A key reason is that as your loan is secured against your property the lender assesses this type of loan as being of lower risk than others.

As a result of the credit crunch, all loans are now more difficult to obtain but with the security offered, secured loans are easier to obtain than others.

A Secured loan provides for you to borrow larger amounts, and to repay the loan over a longer period, usually up to 20 years.

As there is less risk for the lender the interest rate is often at a lower APR than an unsecured loan.

The actual rate will be affected by your personal credit rating.

Even if you have a poor credit rating you may still be able to get a secured loan as the lender may take a risk with you as there is equity to fall back on.

Even if you don't own your home outright you may still apply for a secured loan.

If you have a mortgage and have repaid some of the outstanding amount, and there is some equity in your property, you can put that portion of the property you own, up as security.

The interest rate on a secured loan depends on a number of factors, including:

• the amount you want to borrow
• the period of the loan and
• your own personal circumstances.

It is worth remembering that you do put your property at risk if you default on payments on a secured loan.

You can also insure your payments against things like sickness or job loss, to give you piece of mind.

So to recap-Some of the reasons why you might want to choose a secured loan are:

• You can borrow larger sums of money, subject to the equity in your house or the security you have available - and of course your ability to make the monthly repayments
• You can repay over a longer period
• Lower interest rates than other types of loans
• Lower monthly repayments than an unsecured loan
• Even if your credit history is poor, a lender may lend to you because of the security provided

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Loan Details

*Residential Status: Please Select UK Homeowner - With Mortgage UK Homeowner - No Mortgage Tenant *Purpose of Loan: Please Select Consolidation Home Improvements Consolidation & Home Improvements Pay Off Debts Car Personal Business Holiday Boat Property Investments Purchase Mortgage Re-Mortgage Other *Loan Amount: Please Select 5,000 7,500 10,000 12,500 15,000 17,500 20,000 25,000 30,000 35,000 40,000 45,000 50,000 55,000 60,000 65,000 70,000 75,000 80,000 85,000 90,000 95,000 100,000 100,000+ *Loan Term: Please Select 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years 11 Years 12 Years 13 Years 14 Years 15 Years 16 Years 17 Years 18 Years 19 Years 20 Years 21 Years 22 Years 23 Years 24 Years 25 Years 26 Years 27 Years 28 Years 29 Years 30 Years *Property Value: Please Select... 2,500 5,000 7,500 10,000 12,500 15,000 17,500 20,000 22,500 25,000 27,500 30,000 32,500 35,000 37,500 40,000 42,500 45,000 47,500 50,000 52,500 55,000 57,500 60,000 62,500 65,000 67,500 70,000 72,500 75,000 77,500 80,000 82,500 85,000 87,500 90,000 92,500 95,000 97,500 100,000 105,000 110,000 115,000 120,000 125,000 130,000 135,000 140,000 145,000 150,000 155,000 160,000 165,000 170,000 175,000 180,000 185,000 190,000 195,000 200,000 205,000 210,000 215,000 220,000 225,000 230,000 235,000 240,000 245,000 250,000 255,000 260,000 265,000 270,000 275,000 280,000 285,000 290,000 295,000 300,000 305,000 310,000 315,000 320,000 325,000 330,000 335,000 340,000 345,000 350,000 355,000 360,000 365,000 370,000 375,000 380,000 385,000 390,000 395,000 400,000 405,000 410,000 415,000 420,000 425,000 430,000 435,000 440,000 445,000 450,000 455,000 460,000 465,000 470,000 475,000 480,000 485,000 490,000 495,000 500,000 505,000 510,000 515,000 520,000 525,000 530,000 535,000 540,000 545,000 550,000 555,000 560,000 565,000 570,000 575,000 580,000 585,000 590,000 595,000 600,000 605,000 610,000 615,000 620,000 625,000 630,000 635,000 640,000 645,000 650,000 655,000 660,000 665,000 670,000 675,000 680,000 685,000 690,000 695,000 700,000 705,000 710,000 715,000 720,000 725,000 730,000 735,000 740,000 745,000 750,000 755,000 760,000 765,000 770,000 775,000 780,000 785,000 790,000 795,000 800,000 805,000 810,000 815,000 820,000 825,000 830,000 835,000 840,000 845,000 850,000 855,000 860,000 865,000 870,000 875,000 880,000 885,000 890,000 895,000 900,000 905,000 910,000 915,000 920,000 925,000 930,000 935,000 940,000 945,000 950,000 955,000 960,000 965,000 970,000 975,000 980,000 985,000 990,000 995,000 1,000,000 *Mortgage Remaining: Please Select... 0 2,500 5,000 7,500 10,000 12,500 15,000 17,500 20,000 22,500 25,000 27,500 30,000 32,500 35,000 37,500 40,000 42,500 45,000 47,500 50,000 52,500 55,000 57,500 60,000 62,500 65,000 67,500 70,000 72,500 75,000 77,500 80,000 82,500 85,000 87,500 90,000 92,500 95,000 97,500 100,000 105,000 110,000 115,000 120,000 125,000 130,000 135,000 140,000 145,000 150,000 155,000 160,000 165,000 170,000 175,000 180,000 185,000 190,000 195,000 200,000 205,000 210,000 215,000 220,000 225,000 230,000 235,000 240,000 245,000 250,000 255,000 260,000 265,000 270,000 275,000 280,000 285,000 290,000 295,000 300,000 305,000 310,000 315,000 320,000 325,000 330,000 335,000 340,000 345,000 350,000 355,000 360,000 365,000 370,000 375,000 380,000 385,000 390,000 395,000 400,000 405,000 410,000 415,000 420,000 425,000 430,000 435,000 440,000 445,000 450,000 455,000 460,000 465,000 470,000 475,000 480,000 485,000 490,000 495,000 500,000 505,000 510,000 515,000 520,000 525,000 530,000 535,000 540,000 545,000 550,000 555,000 560,000 565,000 570,000 575,000 580,000 585,000 590,000 595,000 600,000 605,000 610,000 615,000 620,000 625,000 630,000 635,000 640,000 645,000 650,000 655,000 660,000 665,000 670,000 675,000 680,000 685,000 690,000 695,000 700,000 705,000 710,000 715,000 720,000 725,000 730,000 735,000 740,000 745,000 750,000 755,000 760,000 765,000 770,000 775,000 780,000 785,000 790,000 795,000 800,000 805,000 810,000 815,000 820,000 825,000 830,000 835,000 840,000 845,000 850,000 855,000 860,000 865,000 870,000 875,000 880,000 885,000 890,000 895,000 900,000 905,000 910,000 915,000 920,000 925,000 930,000 935,000 940,000 945,000 950,000 955,000 960,000 965,000 970,000 975,000 980,000 985,000 990,000 995,000 1,000,000

Your Details

*Title: Please Select... Mr. Mrs. Miss Ms Dr. *First Name: *Last Name: *Home/Work Phone: Mobile Phone: Email Address: *House Name/Number: *Postcode: *Employment Status: Please Select Full-Time Employed Part-Time Employed Self-Employed Unemployed Contract Worker Disability Housewife Retired

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Loan Details

*Residential Status: Please Select UK Homeowner - With Mortgage UK Homeowner - No Mortgage Tenant *Purpose of Loan: Please Select Consolidation Home Improvements Consolidation & Home Improvements Pay Off Debts Car Personal Business Holiday Boat Property Investments Purchase Mortgage Re-Mortgage Other *Loan Amount: Please Select 5,000 7,500 10,000 12,500 15,000 17,500 20,000 25,000 30,000 35,000 40,000 45,000 50,000 55,000 60,000 65,000 70,000 75,000 80,000 85,000 90,000 95,000 100,000 100,000+ *Loan Term: Please Select 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years 11 Years 12 Years 13 Years 14 Years 15 Years 16 Years 17 Years 18 Years 19 Years 20 Years 21 Years 22 Years 23 Years 24 Years 25 Years 26 Years 27 Years 28 Years 29 Years 30 Years *Property Value: Please Select... 2,500 5,000 7,500 10,000 12,500 15,000 17,500 20,000 22,500 25,000 27,500 30,000 32,500 35,000 37,500 40,000 42,500 45,000 47,500 50,000 52,500 55,000 57,500 60,000 62,500 65,000 67,500 70,000 72,500 75,000 77,500 80,000 82,500 85,000 87,500 90,000 92,500 95,000 97,500 100,000 105,000 110,000 115,000 120,000 125,000 130,000 135,000 140,000 145,000 150,000 155,000 160,000 165,000 170,000 175,000 180,000 185,000 190,000 195,000 200,000 205,000 210,000 215,000 220,000 225,000 230,000 235,000 240,000 245,000 250,000 255,000 260,000 265,000 270,000 275,000 280,000 285,000 290,000 295,000 300,000 305,000 310,000 315,000 320,000 325,000 330,000 335,000 340,000 345,000 350,000 355,000 360,000 365,000 370,000 375,000 380,000 385,000 390,000 395,000 400,000 405,000 410,000 415,000 420,000 425,000 430,000 435,000 440,000 445,000 450,000 455,000 460,000 465,000 470,000 475,000 480,000 485,000 490,000 495,000 500,000 505,000 510,000 515,000 520,000 525,000 530,000 535,000 540,000 545,000 550,000 555,000 560,000 565,000 570,000 575,000 580,000 585,000 590,000 595,000 600,000 605,000 610,000 615,000 620,000 625,000 630,000 635,000 640,000 645,000 650,000 655,000 660,000 665,000 670,000 675,000 680,000 685,000 690,000 695,000 700,000 705,000 710,000 715,000 720,000 725,000 730,000 735,000 740,000 745,000 750,000 755,000 760,000 765,000 770,000 775,000 780,000 785,000 790,000 795,000 800,000 805,000 810,000 815,000 820,000 825,000 830,000 835,000 840,000 845,000 850,000 855,000 860,000 865,000 870,000 875,000 880,000 885,000 890,000 895,000 900,000 905,000 910,000 915,000 920,000 925,000 930,000 935,000 940,000 945,000 950,000 955,000 960,000 965,000 970,000 975,000 980,000 985,000 990,000 995,000 1,000,000 *Mortgage Remaining: Please Select... 0 2,500 5,000 7,500 10,000 12,500 15,000 17,500 20,000 22,500 25,000 27,500 30,000 32,500 35,000 37,500 40,000 42,500 45,000 47,500 50,000 52,500 55,000 57,500 60,000 62,500 65,000 67,500 70,000 72,500 75,000 77,500 80,000 82,500 85,000 87,500 90,000 92,500 95,000 97,500 100,000 105,000 110,000 115,000 120,000 125,000 130,000 135,000 140,000 145,000 150,000 155,000 160,000 165,000 170,000 175,000 180,000 185,000 190,000 195,000 200,000 205,000 210,000 215,000 220,000 225,000 230,000 235,000 240,000 245,000 250,000 255,000 260,000 265,000 270,000 275,000 280,000 285,000 290,000 295,000 300,000 305,000 310,000 315,000 320,000 325,000 330,000 335,000 340,000 345,000 350,000 355,000 360,000 365,000 370,000 375,000 380,000 385,000 390,000 395,000 400,000 405,000 410,000 415,000 420,000 425,000 430,000 435,000 440,000 445,000 450,000 455,000 460,000 465,000 470,000 475,000 480,000 485,000 490,000 495,000 500,000 505,000 510,000 515,000 520,000 525,000 530,000 535,000 540,000 545,000 550,000 555,000 560,000 565,000 570,000 575,000 580,000 585,000 590,000 595,000 600,000 605,000 610,000 615,000 620,000 625,000 630,000 635,000 640,000 645,000 650,000 655,000 660,000 665,000 670,000 675,000 680,000 685,000 690,000 695,000 700,000 705,000 710,000 715,000 720,000 725,000 730,000 735,000 740,000 745,000 750,000 755,000 760,000 765,000 770,000 775,000 780,000 785,000 790,000 795,000 800,000 805,000 810,000 815,000 820,000 825,000 830,000 835,000 840,000 845,000 850,000 855,000 860,000 865,000 870,000 875,000 880,000 885,000 890,000 895,000 900,000 905,000 910,000 915,000 920,000 925,000 930,000 935,000 940,000 945,000 950,000 955,000 960,000 965,000 970,000 975,000 980,000 985,000 990,000 995,000 1,000,000

Your Details

*Title: Please Select... Mr. Mrs. Miss Ms Dr. *First Name: *Last Name: *Home/Work Phone: Mobile Phone: Email Address: *House Name/Number: *Postcode: *Employment Status: Please Select Full-Time Employed Part-Time Employed Self-Employed Unemployed Contract Worker Disability Housewife Retired