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Secured Loan Expert is a trading name of First Union Mortgages Limited one of the largest and most trusted finance brokers in the UK.

We specialise in finding the best loans for our clients from probably the biggest selection of loan deals in the UK with over 950 different deals available at any one time. We will match your requirements with all the deals on offer, ensure that you are aware of all the costs of each individual loan before you chose to apply. We will make the application on your behalf ensuring that your case is seen by the lender in the most favourable light.

Our experts are there to ensure you get the best deal and what’s more our help and advice is free so why not take advantage of our expertise.

A homeowner loan is a personal loan taken out against the equity in your property. Also known as secured loans, these are offered in exchange for you offering your home as collateral. Securing the loan with your home enables you to borrow substantial amounts of money for long periods. Moreover, because the lender puts a charge on your home as security, it offers very good interest rates and manageable terms.

Currently you can borrow up to the maximum limit of 95% of the equity in your home.

- You can obtain a homeowner loan by first comparing the deals in our simple comparison engine and choosing the deal that suits you most. Pay attention to the minimum and maximum loan amounts offered by each deal, as this will play a role in your decision making. When you have found the most suitable loan offer just contact our friendly team of experts who will answer all of your questions, help you with your application, get pre approval from the lender, and if required arrange for a valuation of your home whilst keeping you up to date throughout the approval process until completion.

It is still possible to get a secured loan when you are self-employed. This will be dependent on your personal circumstances and each lenders’ criteria. Our team can advise you as to the exact requirements when you call us.

At Secured Loan Expert all types of credit history are considered. The decision to lend is subject to individual lender criteria and your personal circumstances. Our expert team can provide you with more information if this is the case.

No. The only note on your credit file that will exist when you make an initial enquiry will be a Quotation Search which will only be visible to you and not by other searchers.

When you make a full application then a full search will be undertaken which will show up on your file at that stage. This will be visible to other lenders.

While this process is a lot shorter than a mortgage or re-mortgage application, the exact length of time from application to you receiving the funds depends on the amount of the loan required, the loan amount to the asset value, the lender chosen and your individual circumstances.

Once the loan is approved by the lender, they will transfer the money to you typically within 48 hours if electronic transfer is the payment method.

There are no upfront fees to pay.

All fees and charges that you have to pay to take out a loan will be fully detailed to you before you make any decision to go ahead.

If you have any questions at this point just call our friendly team who will be happy to help you understand what fees may be charged.

By Adam Brand.

Operations Director

You have undoubtedly heard financial experts say your home is the most valuable asset you will ever purchase. They say this based on the idea of property being an investment that will eventually sell for more than the original purchase price. Yet we know of a way that you can make your investment even more profitable: take advantage of low-cost homeowner loans secured by your property.

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What is a low-cost homeowner loan? It is a loan secured by using your property as collateral. Your home acts as security for the lender, encouraging them to loan you substantial amounts of money based on existing equity. Moreover, with the chances of default fairly low, banks are willing to give good interest rates and favourable terms. We hope that you can see where we're going with this.

Your home does very little for you other than providing a roof over your head and a comfortable place to entertain your friends. Nevertheless, from a financial standpoint, it takes money out of your salary to pay for the mortgage, insurance and maintenance and repairs. A secured homeowner loan changes that. It lets you put the value of your home to work in financing other things.

Home owner loans can be used toward:

  • property upgrades/renovations
  • starting a new business
  • purchasing a new car
  • covering education expenses
  • paying for elective healthcare.

You can use the money provided by a secured loan for just about any purpose. It is that flexibility, combined with great interest rates and liberal payment terms that allows you to transform a financially draining property into an asset that contributes to your financial health.

Low-Cost Loans

Maximising the financial potential of your property starts with finding low-cost loan offers. Making sure you get a low-cost loan is important for two reasons. First, you certainly do not want to end up with a loan you cannot afford to repay in the future. The less you have to pay in the total cost of borrowing, the lower the chances you get into financial trouble later.

The second reason for searching out low-cost home owner loans is that they maximise your borrowing potential. The fewer associated costs there are, the more you will be able to borrow to cover your expenses. You will be paying less money to the bank and more toward accomplishing your financial goals.

So, what are low-cost loans? They are loans involving minimal upfront charges and fees combined with low interest rates. They are called 'low-cost' because the total cost of borrowing over the life of the loan is minimal. By contrast, a high cost secured loan would have excessive fees and charges combined with a higher interest rate.

Finding Low-Cost Loans

Finding low-cost secured home owner loans is no different from finding great rates on your car insurance. It is a matter of comparing multiple lenders to see who offers what. The best way to do that is to use our whole of market comparison tables that lets you see multiple lenders side-by-side. Secured Loan Expert recommends you use this approach in putting together a short list of possible lenders.

As you are comparing, pay attention to the representative APR. This number represents the standard APR plus all of the known upfront costs of borrowing. However, a bank need only approve 51% of its applications at this rate in order to advertise it. This means 49% of the applicants could pay more. You need to keep that in mind.

Also, pay attention to loan terms. Some lenders allow you up to 30 years to repay your secured loan, though that might not necessarily be a good idea. You will pay more interest with a longer-term and vice versa.

Home owner loans let you put the power of your property to work for flexible term funding purposes. You might want to look into it further if you need cash to cover any expenses your normal budget will not allow for.

If you would like to find out more on home owner loans or want to determine what the best deal is to suit your needs just give of friendly team of experts a call. They specialise in finding the right secured loan for anyone by matching your criteria and requirements with that of the lenders to find the most suitable products with the lowest costs.

We deal with lenders every day and know exactly what each individual lender likes to see when making the decision to lend and the rates to charge for the loan. Our team will ensure that your application is sent to the lender in a state that maximises the chances of approval at the minimum possible rate.

There is no charge for our help and advice. Our experts will also ensure that you are advised of the full charges and costs of any deal before you choose to go ahead so there’s no surprises later in the process. 

Call Us For FREE Expert Advice and the Latest Rates.

We source the best rates from the whole market

  • Borrow up to £2,500,000 Depending on the Equity in Your House.
  • Adjustable Repayment Terms from 3 to 30 years.
  • Secured Loans Can Be Used for Almost any Purpose.
  • Low Interest Rates.
  • Rapid Approval - Low Arrangement Fees.
  • Options for Homeowners with Bad Credit History.
We Will Find You the Best Secured Loan to Suit Your Individual Needs.

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