Compare secured loans
Answer a few questions for your personalised quote.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
- From £10,000Borrowing enquiries
- 1 – 25 yearsRepayment terms
- Second chargeYour current mortgage stays in place
- Not a lenderA qualified broker compares the options with you.
What homeowners borrow for
- Home improvementsFor kitchens, bathrooms or repairs around your home.
- Extensions and renovationsFor extra space or a different layout.
- Debt consolidationConsolidation can mean paying more overall. Your home is at risk.
- Large billsFor tax bills or school fees.
- Business fundingFor costs connected with your business.
- Buy to let depositsFor a deposit on a property to let.
If you are struggling with repayments, consider free debt advice through MoneyHelper before taking on more borrowing.
How it works
Tell us your plans
Answer a few questions. We pass your enquiry to Loans Warehouse.
Speak to Loans Warehouse
A qualified adviser discusses your options and costs, comparing loans from lenders they work with.
You decide
Any offer depends on the lender's checks. You decide whether to go ahead.
An enquiry is not an application or a commitment.
Alongside your existing mortgage
Your mortgage stays in place. The new loan has its own rate, term and repayments. You repay both, and both are secured on your home.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Common questions
All guidesHow much could I borrow?
The amount depends on your property’s value, existing secured borrowing, income, spending and the lender’s criteria. An advertised borrowing range is not a personal lending limit. Loans Warehouse can assess what may be available for your circumstances.
Can I get a secured loan with bad credit?
Possibly. Some lenders consider previous credit problems, but approval is not guaranteed. The type and recency of those problems, your current finances and available equity can affect the options and rates offered.
Can I apply if I am self-employed?
Self-employment does not automatically rule you out. A lender will need evidence of income and affordability. The documents required depend on the lender and your circumstances.
Will there be a credit check?
Credit checks form part of a secured loan application. Ask Loans Warehouse which checks will happen and when. A soft search does not affect your credit score; a hard search leaves a record visible to other lenders and can affect your score.
Are there fees?
Broker and lender fees may apply. Ask for the amount, when payment is due and whether a fee will be added to the loan. Adding fees to your borrowing can mean paying interest on them too.
Can I repay the loan early?
Early repayment is generally possible, but charges may apply. Check the terms of the specific loan, including any overpayment allowance, before deciding.
How long does a secured loan take?
Timing depends on the lender, property checks and how quickly the required information is provided. Loans Warehouse can explain the expected steps for your case. Avoid committing to spending before the funds are available.
Should I consider another way to borrow?
Yes. A further advance from your mortgage lender, remortgaging or an unsecured personal loan may be worth comparing. Consider the fees, total cost and risks of each. If borrowing is not affordable, taking on another loan is unlikely to resolve the problem.
Start with an enquiry
Share a few details. Loans Warehouse can discuss your circumstances and options. Broker and lender fees may apply.
Introduction to Loans Warehouse. Subject to status and lender criteria. Broker and lender fees may apply.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
