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Secured Loans - £10,000 to £1 Million.
CCJ's, Defaults and Mortgage Arrears.
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We Gather Information Required to Search the Market

We gather some basic information about you using our quick online form

Conduct a Whole of the Market Comparision

We will search 100’s of providers to find you the lenders who are willing to approve your mortgage

Provide full service through to completion

We will show you rates along with the monthly repayments. This will not affect your credit score. We’ll also explain any fees if you progress at this point and as long as you are happy to proceed, provide you with the full service through to completion of your mortgage being accepted

Customer Reviews


By making an enquiry we will contact you to discuss your needs and outline if we can be of assistance. We will then request a copy of your credit file for a qualified adviser to review. After a full review of your credit profile the adviser will discuss this with you, provide advice and discuss possible quotations. If you wish us to proceed and get a ‘Decision in Principle’ we can do so. Once we have a decision from the lender we will discuss and email you a formal quotation and outline our process going forward.
We have lenders that will accept clients who have had County Court Judgements (CCJ’s), Defaults, Missed payments, Debt Management Plans (DMP), Individual Voluntary Arrangements (IVA) and discharged bankruptcy. The general rule is that any bad credit needs to be registered over a year ago.
Yes. You will need a minimum of a 10% deposit however, this is does depend on the level of bad credit that you have, so for example, if you have had CCJ’s/mortgage arrears in the last 2 years you may need to have 15%+ deposit. If you are buying a property through a shared ownership scheme we have lenders that do not require you to have a deposit. If you are buying a property through the Help to Buy scheme we have lenders that can help you providing you have a 5% deposit to put down.
Once a Decision in Principle (DIP) has been done the typical arrangement times from mortgage application to offer is 1 month. Specialist bad credit mortgages do take more time when compared to standard high street mortgages, due to the extra due diligence that is required on these cases.
No. We have lenders some of whom are high street Building Societies that will lend to you if you simply have a low credit score, due to not being on the voters roll or not having much active credit. If you have a low credit score as a result of bad credit (CCJ’s/defaults/missed payments etc) we certainly have specialist lenders that can help.
The key to this question is why you were declined. We provide an advised service, so if we cannot help you now, we will explain why and provide advice as to what you need to do to be able to get a mortgage in the future.

£10,000 Secured Loans

Search for a £10,000 loan and you will be presented with a bewildering number of options available. Secured loans, unsecured loans, guarantor loan applications – where to start? And making the wrong decision can be very expensive and difficult to get out of if your circumstances change once you have your £10,000 loan approved and in your bank.

It does not matter what you intend to use your loan for. Perhaps a £10,000 home improvement loan, a holiday of a lifetime, maybe a new car or help towards a wedding. Lenders are not too interested in what you intend to use your loan for.

£10,000 loans are almost on the cusp of needing security, that is a secured loan. Someone with a very good credit score may be successful in an application for a £10,000 loan but unless you have a very good credit score then the lender may require security, normally against your home. This is known as a secured loan and the criteria is that you must be a homeowner with sufficient equity in your property to cover the value of the loan should anything go wrong during the repayment of the loan.

Another option to borrow £10,000 is a guarantors loan. The applicant applies in the normal way but it is not so critical that his or her credit rating is perfect. The guarantor, usually a home owner will guarantee the £10,000 loan by way of guaranteeing to pay back the outstanding loan should the borrower default on loan repayments for whatever reason. The guarantors credit rating is not affected but the guarantor would have to step in if any problems arose.

If you are a homeowner then you have the option potentially of adding the £10,000 loan to your mortgage, providing that you have sufficient equity in your property.

Our team of specialist, experienced advisors can advise on the best way to get a £10,000 loan that most suits your circumstances. Saving you precious time and potentially a lot of money, a brief conversation will point you in the right direction towards a successful £10,000 loan application.



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