Borrow £10,000 to £1 Million.
Homeowners Only.
CCJ's, Defaults and Mortgage Arrears.
Simple and Secure.
200+ Loan Plans.


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100% Secure


Applying for a loan may seem challenging. You need some extra cash but the choices can be overwhelming and hard to understand with jargon like APR, secured, unsecured and so on. Its hard to know where to begin. We can help...

We can advise and help you choose the right loan for you, from personal loans to homeowner loans. We can even help you secure funds if you have a bad credit history. We will help you to understand the conditions of your loan and give you a full detailed breakdown along with lender details. Naturally, the most important thing is to make sure you will be able to afford the repayments.

Secured Loans


(not all lenders displayed - not specific to your personal circumstances)

Customer Reviews


How we work?
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 and this will be passed to a qualified adviser to review and give you 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 the process from there.
What is a homeowner loan?
This is a loan secured on your property as you are a homeowner. As the loan is secured upon the property lenders are more willing to provide cheaper rates when compared to unsecured loans and additionally can lend you more money over a longer term.
Can you get a secured loan with a bad credit history?
Yes. If you have had bad credit in the form of mortgage arrears, defaults, county court judgements, IVA and payday loans we have lenders that can help providing you have enough equity and can clearly afford any new borrowing.
How much can I borrow?
Secured loan lenders provide loans from £10,000 to £750,000. This depends upon your credit profile, equity in the property and affordability.
Why take out a secured loan rather than a remortgage?
We will always explore both options to ensure you get the right advice. Here are some reasons why a secured loan is more suitable, when compared to a remortgage:
  • Your main mortgage is at a low rate and any remortgage will be at a higher rate.
  • Your main mortgage has a large early repayment charge if you were to redeem this.
  • Your main mortgage has a long term left, whereas you want to borrow £XX over a shorter term to pay off quicker.
  • Your credit profile may mean a remortgage is not possible.
I have been declined in the past – can you 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 loan in the future.
How quickly can I get a secured loan?
Typical completion time from application is between 4 – 6 weeks.
What loan purposes do you accept?
Most legal purposes are allowed.

Secured Loans

Secured loans are effectively a loan secured on your property. A secured loan can be a way of getting a loan that may not otherwise be available to you and in many circumstances can be an acceptable way to raise some money for whatever reason.

A secured loan means that the lender has the loan amount secured against your property not against you personally. In the event of not paying the loan back they can forcibly sell your property to get their loan value back.

Secured loans are more easy to access that unsecured loans for the obvious reason that the loan is "secure" and the lender has minimal risk. It is often easier to borrow more using a secured loan. Unsecured, or personal loans cap at circa £35,000 but unsecured loans can be up to £75,000 depending on your personal circumstances and equity in your property. Secured loans often span a longer period than secured loans, which suits the lender as this helps to offset the set up costs of the secured loan.

Some people may take out a secured loan as a way of paying off debt. This decision is down to many factors and includes your personal financial situation, ability to borrow and the amounts of any debt that you are considering paying off with a secured loan. Its important of course to work out the cost of any debt versus the amount repayable under a secured loan agreement to see if you will be better or worse off.

Secured loans are available in a variety of guises that include short term fixed rate secured loans, when you pay a fixed amount for the initial period of the loan which then reverts to a variable rate. There are also fixed for term secured loans where you pay a set amount monthly then at the end of the agreement the loan is paid in full vis the monthly instalments.

Variable rate secured loan track bank of England base rate and as interest rates move up or down the repayment is adjusted accordingly.

Secured loans can be a god solution for many people who are aware of the outcomes should they for whatever reason default on the loan. We are able to offer impartial advice on secured loans, their potential suitability for your requirements and can search out the best lenders and loan deals for your secured loan.



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