Home > Loans > Long Term Loans


Secured Loans - £10,000 to £1 Million.
CCJ's, Defaults and Mortgage Arrears.
Simple and Secure.


I confirm that I have read and consent to my personal information being processed in accordance with The Money Hub's Privacy Policy. I also confirm that I have read The Money Hub’s E-Marketing to Customers and consent for The Money Hub to market to me by email. On receipt of this enquiry we will contact you to discuss your requirements.
100% Secure


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


This refers to loans that have a long repayment term. Unsecured loans typically are over a term of 5 years whereas a secured loan could a long term of potentially 30 years for example. The benefit of a long term loan is that you can spread the monthly payments over a long term resulting in lower monthly payments, however it is always worth noting that the longer the term, the more you will repay in interest plus with long term loans you want to make sure that you can afford the payments throughout the whole term and have no drop in income.
Lenders will consider lending to clients who have a bad credit history and the options available to clients will depend upon many factors such as when the bad credit was registered, what type of debt did you miss payments on, how much was the bad debt for etc. There are many long term loan lenders available that offer secured loans to clients that have bad credit registered and you should seek advice from a qualified mortgage broker to explore both your loan options and remortgage options.
As long term loans are secured loans it roughly takes 4 weeks to complete. With this type of loan the lender will want lots of information from you such as Proof of Identity (Passport or Driving License), Proof of Income (Payslips if employed or Accounts if Self Employed), Bank Statements plus the property will need to be valued to make sure it is suitable security to lend a long term loan against.

Long Term Loans

When taking out a long term loan, you have to remember that this is a serious financial commitment that could run for a long period of time and in some cases, up to 25 years. So when choosing your loan over a longer time, you need to be sure that it is the most suitable and affordable one for you. most suitable and affordable one for you.

A long term loan is a great way to space out the monthly repayments, giving you more time and that extra flexibility to repay the loan. We consider long term loans to be those that run from 5 years onwards. When taking out a loan below a repayment period of 5 years, the interest rates can be considerably higher. So a loan over a longer term is a good way of keeping interest rates as low as possible. You have to remember that any rates offered will be dependent upon your own individual circumstances; this includes your income etc. If you are worried that you wont be able to obtain a long term loan due to your credit history, we can help find you a loan over a long term even if you do have bad credit. We have helped hundreds of clients find the right long term loan for them, regardless of their credit profile.

There are many reasons as to why you may be thinking of taking out a loan term loan, such as:

  • Home Improvements. (Kitchen, Bathroom, Conservatory, Extension, Loft Conversion etc)
  • New motor vehicle or motor vehicle repairs.
  • Consolidation of debts. (Paying off any/all of your outstanding debts)
  • Dream family holiday.
  • Business Loan. (Start of a new company or perhaps to expand your current business)



We are currently processing your details

Thank you for your patience