0116 402 7982

Secured Loan Calculator

Enquire with us to get a quick secured loan estimation on your repayment costs.

See our privacy policy for more details.

Secured Loans for Homeowners

A homeowner loan is a long-term borrowing product that is secured against your residential property, so you will obviously need to own your own home or be a mortgage holder in order to get one.  By applying online using our services, the amount you are entitled to borrow can range from £15,000 to £250,000, depending on your financial circumstances, with repayment terms typically available from 5 to 25 years.  When applying for secured finance, you should always remember that your home could be at risk should you find yourself unable or unwilling to meet the repayments at some point in the future.

How It Works

When you apply for a secured loan product through our website, we will search the entire market on your behalf in order to find the most competitive borrowing product in accordance with your individual needs and borrowing requirements.  There are no upfront fees to consider and we always start by performing a soft search that will not affect your credit rating.  Once you agree to a loan in principle, we then work as quickly as possible to ensure the funds are available in your banking account within 10 working days.

What happens if I have a bad credit score?

If you have run into difficulty in the past with previous financial commitments then you may find it very difficult to obtain a competitive loan deal with affordable interest rates.  However, even if you have CCJs and a poor credit rating, there are still a number of borrowing options available, as there are many people in the same situation.  With a bad credit loan, we will look at your application on a one-to-one basis and search for the most affordable borrowing product in line with your specific circumstances.

As the loan is secured against your property, lenders know that their money is safe as they are legally entitled to sell your home if you cannot pay the money back.  Of course, this is something that we all want to avoid and provided you can make the monthly repayments on time, you will not stand to lose your home.  If you do experience any difficulty in terms of paying the loan back, then please contact your lender at the earliest opportunity so that they can work out an alternative repayment plan.

What can a secured loan be used for?

Although home improvements are the most popular reason for secured borrowing, people take out secured homeowner loans for a wide variety of reasons.

Secured loans can be used to pay for:

  • A New Car or Recreational Vehicle
  • Luxury Holidays and Honeymoons
  • Debt Consolidation and Paying Off High Interest Unsecured Debts
  • A New Conservatory, Loft Conversion or Kitchen Extension
  • Patios, Driveways and Landscaped Gardens

Secured Loans vs. Personal or Unsecured Loans

The main problem with unsecured or personal loans is that they are only available to those with a good credit rating.  Unfortunately, this really does only apply to the select few.  Personal loans are also significantly lower in value and the repayment terms usually range from 1 to 5 years.  With a secured loan, you could borrow a considerably higher amount and you will even be accepted for a loan if your credit history is not quite up to scratch.  Of course, you do need to be a homeowner if you want to apply but, if you are approved, you can look forward to longer repayment terms and much more competitive interest rates.

If you have any questions or would like to find out more about the terms, conditions and availability of our secured homeowner loan borrowing products, either call us directly or send us your contact details in the form provided and we will get back to you.

Secured Loan Rates

UK Property Finance is an independent property financing company offering a range of highly affordable loan products for UK homeowners in search of competitive remortgage products. As with all our financing solutions, the secured loans and remortgage products we provide are tailored to meet the individual needs of the borrower.

What We Offer

  • Streamlined application process
  • Loans from £5,000 to £2,500,000
  • Borrow from 1 to 25 years
  • Up to 80% LTV
  • Fast decision, usually in minutes
  • No hidden fees or costs
  • All employment types considered
  • Bad credit history – no problem

How It Works

As principal lenders with access to an exclusive panel of private investors, we can provide secured loans of all amounts based on personal circumstances and individual borrowing requirements. At UK Property Finance, we understand that no two clients are the same, and that each client may have differing requirements! Whether you are looking to borrow £1,000,000 over 15 years, or £10,000 years over a six year period – our secured loan experts are here to help whilst offering all the support and practical guidance you need to make your application a success.


UK Property Finance can provide secured homeowner loans for people from all backgrounds. Whether you are self-employed, work full-time or you are in part-time employment – it really does not matter. As long as you are a UK homeowner with sufficient equity tied in with your property and you can afford the repayments – we can provide the funds you need with the minimum of complication. Our secured loan products are fast and affordable with competitive rates and flexible repayment options.

Our Services

With UK Property Finance, there are no hidden costs or upfront fees and you can search for a secured homeowner loan with no negative consequences on your credit score. Our secured loan rates are highly competitive and we can provide fixed and variable rate products that fit your needs with expert precision.

Your Online Safety

When you apply for a secured loan online using our services, you can rest assured that any personal details and private information you provide is safe and secure. Any data we collect is stored confidentially on our private servers in strict coherence with the Data Protection Act of 1998 for your added peace of mind.

secured loan calculator


The advice and processing on all financial products introduced via this website will be handled by UK Property Finance Ltd, which is authorised by The Financial Conduct Authority (FCA) no 667602. The FCA do not regulate all mortgages such as Buy to Let and Commercial. Think carefully before securing debts against your home. Your property could be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Association of Bridging Professionals
Scroll To Top