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Welcome to securedloans.com, a one stop resource for loans which includes lots of useful information (such as the different types available; what you need to know; FAQ; how they may help you etc).
There could be any number of reasons why you may need to borrow money. Perhaps you are looking to buy a new car; fund home improvements; get your garden landscaped; pay for a wedding or that once in a lifetime holiday; or maybe even consolidate your debts.
Many people will use a secured loan to enable them to get the funds they need. This is because often it may work out more cost effective than borrowing on your credit card or taking a finance deal from the company whose services you require. Secured loans may also be useful if you want to borrow larger sums of money.
If you already have a number of existing debts, you may be struggling with lots of different payments to lots of different lenders. Debt consolidation loans may be a very easy way to pay off all of your existing debts, by consolidating them all into one simple, affordable monthly repayment.
Secured loans may also save you money overall, too, if you use them to consolidate existing debt, as in many cases you may be paying a lower interest rate than you would be paying on your other debts.
Secured loans are a form of borrowing that is secured against one of your assets (typically your home). If you have not encountered these terms before:
Of course, a secured loan may not be the most suitable solution for you and a remortgage may be a more cost-efficient solution.
This type of borrowing tends to be suited to homeowners looking for lower interest rates and higher loan amounts than they may get with an unsecured loan or other form of credit. Also called homeowner loans, this form of borrowing may also be suitable for you if you require a longer period in which to repay the monies.
Another benefit of secured loans is that they may be easier to obtain than an unsecured loan. This is because a secured loan lender knows that if you fail to keep up your repayments, he could, if required, force the sale of your home in order to recover his monies. (Do note that if you do have a problem repaying your debt, the lender will always try and work with you first to resolve the issue).
This also means that if you are self employed, have a new job or who have a history of bad credit, you may still be eligible to apply for a secured loan.
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Secured Loan Agreement
In the case of unsecured loans, the REPRESENTATIVE APR is 9.3% variable. 51% of borrowers get this rate or less Representative example: - £10000 over 60 months at an interest rate of 9.3% per annum. Monthly repayment £206.86. Total amount payable £12416.46.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
65% of secured loan borrowers should get rates less than our TYPICAL 13.8% APR including those who have credit problems. APR’s are variable in most cases. In some cases a secured loan processing cost may be charged, which is deducted from the loan on completion and included in the interest rate quoted. This charge covers the cost of property valuation, mortgage references, consent to register a second charge, land registry search’s, credit references, staff costs, marketing and variable costs associated with your loan and is on average 8% of the loan amount. The amount of any fee and the actual rate available will depend on your circumstances and will be discussed with you at an early stage. Extending the loan over a longer period can reduce your monthly payments but may increase the total cost of credit.