You borrow a secured loan by using something you own as collateral, such as property, vehicle, jewellery or art. The asset's value determines how much you can borrow, and you risk losing the collateral if you cannot make your repayments on time.

Our lenders offer secure loans for various credit scores, from excellent to bad. There are products available to suit most credits, and you can check your eligibility here to get expert advice and compare rates.

We have a selection of second-charge lenders who offer loans if you have a bad credit history. Our lenders also accept CCJs and defaults, even if they’ve occurred in the last 12 months. Get in touch with us, and we’ll inform you of the available products and the applicable interest rates for your circumstances.

Yes. Debt consolidation loans are a popular product for our customers. Request a quote, and we can let you know which ones are best for your situation.

Yes, you can sell your house with a secured loan on it. The money from the sale would pay off your secured loan together with your first-charge mortgage. Typically, your conveyancing solicitor will handle this aspect and deal with the lender during the sale process.

A limited number of lenders offer a maximum loan-to-value (LTV) of 95%. These products are more expensive as they have higher interest rates. Lenders of high-LTV products limit borrowing to smaller values.