What is a secured loan?

‘Secured’ loans (those secured against your property) can be a low-cost way to free up cash for any number knockoff breitling superocean of reasons: to buy a new car, consolidate credit card and unsecured loan debt, pay an unexpected tax bill or even fund a holiday of a lifetime. Secured loans often come with much longer repayment periods than their unsecured counterparts, meaning lower monthly payments. Many people on fixed rate mortgages also use secured loans to fund home improvements, as remortgaging while locked into a fixed rate will generally involve expensive early repayment charges.

Debt Consolidation

Want to pay off some old debts and reduce your monthly outgoings? We’ll help you put them onto one low payment every month.

Debt Consolidation Your Expert Loans

Home Improvement

Ready to add value to your home with a new kitchen, bathroom or extension? We’ll help you find an affordable loan to suit you.

Car Loans

Whether you choose new or used, buying a car is a big decision that will affect your finances for years to come.

If you need help financing for a car, there are a range of options available to you. But be sure to remember, as with any loan, you’re still liable for taking on the debt and should be sure you can comfortably afford to make repayments.

Car Loans Your Experts Loans

Special Occasion Loans

What are wedding loans?

A Special Occasion Loan is a type of personal loan where you spend the proceeds on a big purchase that is maybe something that is once in a lifetime such as a wedding. So long as you’re able to repay the full loan amount, including interest and any fees payable back on time, a Special Occasion Loan would cover the costs.

What are the benefits?

For some couples, a wedding loan can help raise funds for their big day. Here are some of the other potential benefits:

  • Pay for the wedding you want without needing to pay for it all upfront.
  • Choose how you wish to repay the balance on a manageable schedule that’s in sync with your wedding plans.
  • Find out if you can afford to finance your wedding with a loan ‘in principle’ offered in just 24 hours.
  • Select either secured or unsecured loans to suit your financial situation.
  • Plan for the future together with short-term loans (one to five years) or long-term loans up to 30 years.

Starting a business

What is a business loan?

Access the funding you need to help your company prosper. There are many different types of business loan, depending on:

  • the amount you want to borrow
  • the length of time you want to repay the loan
  • the interest rate you’re looking for
  • the reason for your borrowing.

You may be offered one of the following types of loan:

  • Secured. These typically offer lower interest rates than an unsecured loan, and are secured against assets, either personal or company owned.
  • Unsecured. They offer higher interest rates but are not typically secured against an asset.

Homeowner loans

Homeowner loans are secured against your property. We are a broker and we arrange secured loans from a panel of lenders. We receive commission upon completion. Any quote is inclusive of the Broker Fee and all associated costs which is calculated as 12% of the net loan amount, capped at a maximum of £4,495. Loans are subject to status, and the rate you are offered may change based on your individual circumstances. 

how it works

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Complete our initial application

Get an offer in principle

Complete final application

Receive your funds