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Homeowner Loans

Secured Loans and Unsecured Loans

Loan companies who advertise on TV would like you to believe that Homeowner Loans have to be secured loans - i.e. secured on the value of your property.

While this is certainly one option we also believe that Homeowners should consider the option of an unsecured loan when wanting to borrow. So, to us, a Homeowner Loan can be either a Secured Loan or an Unsecured Loan.

   

A Secured Loan or an Unsecured Loan?

 
 
  Unsecured Loan Secured Loan
Applicable to: Homeowners & Tenants Homeowners only (the home acts as security). Owner must have a mortgage.
Max Loan Value: £25,000 £1m (1)
Max Repayment period: 7 years 25 years
APR rates: Rates will be higher (no security involved), but they are also affected by credit status. Having the home as security means rates can be lower. Rate will depend on loan size, credit status and the equity in the property.
Speed of getting funds: (approx) 1-2 weeks 3 weeks (faster for loans over £25k as they are not regulated by 1974 Consumer Credit Act)
Other:   Needs to be free equity in the property,
 
You can see from this table the key differences between a secured and unsecured loan.

If you have credit status issues it may prove more difficult to obtain an unsecured loan, so you may have to accept borrowing on a secured basis.

We would recommend that you obtain comparative quotes and terms to judge the merits of a secured loan versus a unsecured loan - just click on the link below to go to the enquiry forms.
 

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(1) Will depend on an assessment of your credit rating, your ability to repay and the amount of "free equity" in your home.

   
       
         

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Licensed by the OFT as a credit broker, number 558724

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Registered with the Information Commissioner - Z8703415

Registered with the Information Commissioner - Z8703415

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