Secured Loans £10k to £500k See if it’s a YES without
affecting your credit score
Choice - we compare 100s of loans
Speedy - get a response in seconds
Approved - get online approval
We work with Ocean who are a broker, not a lender. They arrange secured loans from their panel of lenders. You must be a homeowner to apply.
'Superb professional advice' Really helpful team. My first enquiry was dealt with in a professional way and nobody was pushy and gave me the time to consider my options. I have now been able to consolidate and get my outgoings back on track. Mr Reynolds
'Excellent service and highly recommend' The service was excellent. Great communication throughout’ …’absolutely no pressure and everything was done for you. Trusted customer
'Great consultative approach with the client’s best interests in mind' Very patient and available people that are always keen to make your life easier and to work with you. Trusted customer
Your homeowner advantage
As a homeowner, you could benefit from:
- Better rates
- Lower monthly payments
- More choice
- Flexibility on repayments
Won’t harm your credit score
Homeowner loans are secured against your property. Before you apply for a secured loan, be aware that your home is used as security. Remember, if you consolidate your existing borrowing, you may be extending the term and increasing the amount you repay in total.
We are a broker and we arrange secured loans from a panel of lenders. We receive commission upon completion. Any quote is inclusive of the Broker Fee and all associated costs which is calculated as 12% of the net loan amount, capped at a maximum of £4,995. Loans are subject to status, and the rate you are offered may change based on your individual circumstances.
Here’s how our partner helped
Mr & Mrs Smith...
Monthly outgoings were £976. They consolidated their credit cards and other credit commitments into one affordable monthly payment with a secured loan, and now only pay £264.
Monthly payments before £976
Reduction in outgoings £712
New affordable monthly payment £264
Won’t harm your credit score
What’s in a name? Secured loans are also referred to as homeowner loans, debt consolidation loans, second mortgages, second charge mortgages, or home equity loans. Typically, these use your home as security against borrowing; however, some loan products designed exclusively for homeowners or debt consolidation may be unsecured.
Reduce outgoings
Consolidate multiple outgoings into one lower, affordable monthly payment.
Add value to your home
Fund improvements and enjoy your home now, with time to pay it back.
A bit of both?
Use your loan for almost anything you wish; a combination of the above or something different – you choose!
Won’t harm your credit score
All credit scores welcome
Don't worry if your credit score is less than perfect.
Our broad panel of lenders cater for everyone's story.
Use our eligibility checker
Our soft search enables you to see loans you're likely to be eligible for, without affecting your credit score.
Won’t harm your credit score
Expert, professional advice
Ocean's qualified loan advisers are experts at listening - as well as finances. We're confident their advice is the best you can get.
UK based
Our UK loan specialists will work with you to find your best option from our panel of lenders.
Over 30 years’ experience
Our partners have helped over 1 million people find appropriate financial solutions.
Won’t harm your credit score
Representative Example: If you borrow £20,000 over 7 years, initially on a fixed rate for 5 years at 6.718% and for the remaining 2 years on the Lender's standard variable rate of 10.338%, you would make 60 monthly payments of £343.89 and 24 monthly payments of £356.65. The total amount of credit is £22,995 (this includes a Lender Fee of £595 and a Broker Fee of £2,400). The total repayable would be £29,288 (this includes a Lender Exit Fee of £95). The overall cost for comparison is 12.1% APRC representative. This means 51% or more of customers receive this rate or better.
Our partner, Ocean Finance, already helped over 250,000 people and could help you too. Rates from 8.3% to 23.2% APRC. Repayment terms between 3 and 30 years.
Frequently asked questions
What is a secured loan?
Can I still apply if I’ve been declined before?
Can I apply for a secured loan if I have bad credit?
How much can I borrow and how long for?
What are the benefits of a secured loan over a personal loan?
Will getting a quote impact my credit score?
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Think carefully before securing other debts against your home.