Find a Secured Loan

As the UK’s favourite secured loan broker, Fluent Money completes more secured homeowner loans than any other broker and you can get a quote in minutes!

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Considering a secured loan?

Secured loans (also called homeowner loans) could be an option if you’re in a scenario where you want to borrow a large sum of money, perhaps to make home improvements or consolidating existing loans.

Borrow larger sums of money: lenders are more willing to lend larger sums of money on these types of loans because they use your home as security against the loan amount. This is why they are also called homeowner loans.

Lower monthly repayments: most secured loans also have the option to pay them back over the long term. Paying back a loan over the long term can mean that the monthly repayments will be lower than if you decided to pay it back over the short term. Lower monthly repayments can make your monthly outgoings more manageable, however you must also remember that the overall cost of the loan can be higher.

Low interest rates: interest rates on homeowner loans can be low because they are deemed less risky for lenders because again, they are using your home as security.

Bad credit: typically, lenders offering homeowner/ secured loans have less strict eligibility criteria on credit ratings because they have security against the loan.

With all the above considered you must remember that you need to keep up the monthly repayments with a secured loan or your home may be repossessed.

What is a Secured Loan?

A secured loan is backed by something you own. This could be your home or a property, and this is why you might hear secured loans being called second charge mortgages. If you’re looking to make home improvements, consolidate some debt, or fund a big purchase, a secured loan is a great option to consider. Interest rates are usually lower than an unsecured loan as there is more security for the lender.

If you’re not sure if a secured loan is the right option for you, fill out our form. We can help you find the right solution.

Why choose Fluent money for a secured loan?

  • The loan search will not affect your credit rating
  • Use the money for almost any purpose
  • From £10,000 to £1,000,000
  • CCJs, arrears and defaults welcome
  • Low interest rates dependant on circumstance
  • Fixed rates available
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As with most loans, you’ll have to pay your secured loan back in monthly installments. You will also pay interest on your loan. Depending on the loan you have, this can be a fixed rate of interest, or it could be variable. The interest will be calculated by the amount you have left to pay. We’d recommend setting up a direct debit or standing order to pay the monthly loan repayments, particularly as your home is used to secure the loan.

A secured loan is also known as a second charge against your home, or a second charge mortgage. This means you need to be a homeowner with an existing mortgage to take out a secured loan. This is because your house will be used as security for your lender.

If you’re not a homeowner, you might want to consider an unsecured loan instead.

At Fluent Money, we’re committed to helping you lend money responsibly. We will work to try and find the best solution for you. With a secured loan, because you’ll be using your house as security, lenders are more open to lending to those with poor credit ratings. Once you have the loan, regular repayments will help boost your future credit score too. If you have a lower credit score, it might be that your interest rates are higher than someone with a higher credit score.

A secured loan is one option to help consolidate your debt, as you will often be paying less interest on one large loan compared to lots of small ones (or lots of credit cards). But it’s important to understand the risks too. By consolidating unsecured debts you may be extending their term, and increasing the overall amount you will repay. If you want to use a secured loan to consolidate your debts, it’s worth speaking to an adviser at Fluent Money, as you need to make sure the loan you take out is one you will be able to afford to pay back. If you can’t keep up with repayments, you might end up losing your home.

At Fluent Money, we have a huge range of flexible options to suit your needs. We can offer secured loans from 3 – 30 years. If you want to find out more, get in touch today.

Why choose Fluent Money?

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We’re the UK’s number 1
Fluent Money is the UK’s favourite secured loan broker

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We’re 5 star Trustpilot rated
Check out what our customers say about us

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We’re friendly UK based loan experts
Our dedicated team is here to help navigate you to the right product and put your mind at ease every step of the way

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We’ll keep you in the picture
You can check your application progress 24/7 with our industry leading smartphone app

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We present you with options, not problems
Our many years’ experience means our friendly experts know how to find the right solution for you

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Meet the team

Our dedicated team is always here to listen and help find the right solution for you.

Who we work with

At Fluent Money, we work with a range of trusted providers to bring you the best possible options to suit your needs.

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Why our customers recommend Fluent Money

We’re one of the UK’s favourite finance brokers. Don’t believe us? See what our customers have to say:

Our Awards

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Want to find out more about our secured loans?

Speak to one of our friendly advisers today, and they’ll be able to help with any questions you have.

Fluent Money is one of the fastest growing brokers in the UK