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Impartial advice from our financial experts
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Thank you for all your help with our Trust Deed. Itís such a relief to speak to someone professional.
Mrs. T. Wright from Glasgow
I had debts of £57,000 costing me £986 per month. Now all I pay is £190 per month for 60 months"
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Secured Loans FAQs

What is a Secured Loan?
Secured Loan Pros and Cons
Secured Loan FAQs

Secured Loans FAQ’s

What can I use a secured loan for?
How do I make sure I get a good interest rate?
What is I have a bad credit history?
What will my repayments be?
Can I change my monthly repayments?
How much can I borrow?
What information do I need to provide?
How long does it take to get my secured loan?
Can I repay my secured loan early?
Can I top up my loan?
What if I'm ill or if I'm made redundant?
How do I apply for a Secured Loan?

What can I use a Secured Loan for?
You can use a Secured Loan for a variety of purposes including Debt Consolidation. A professional Debt Advisor will provide you with what you can and cannot use them for.

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How do I make sure I get a good interest rate?
To make sure you get a good interest rate make sure you do lots of research or use an independent broker. Independent brokers have access to all the lenders in the UK and are impartial, i.e. they are not tied to any particular company. So it is less likely that you will be given inaccurate information.

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What is I have a bad credit history?
Lenders are more likely to offer you a Secured Loan than an unsecured loan if you have a bad credit history. This is because secured loans require security of an asset or property. If you struggle to get a secured loan a bad credit loan may be available to you. Be warned if you do not keep up the repayments on a secured loan your home or property may be at risk.

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What will my repayments be?
This will depend on how much you borrow, how long you borrow it for and the interest rate at the time you took out the loan. Be sure to check fully with your broker and read all the terms and conditions before signing or agreeing to anything.

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Can I change my monthly repayments?
If you are struggling to make your monthly repayments a Lender will usually be able to help with this by means of a repayment holiday or fixing a lower payment over a longer term. On the flipside, you can usually increase you payment if you want to pay them off faster.

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How much can I borrow?
This depends on the value of your property or asset and your personal circumstances. To find out more give the UK Debt Advisor a call on 0800 043 2027 or use our free call back service.

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What information do I need to provide?
You will have to provide personal information, income and expenditure details and details of your property including its value and current mortgage status.

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How long does it take to get my secured loan?
You can get your funds as quickly as 24 hours but it is mainly dependant on how fast you return your paperwork to your broker.

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Can I repay my secured loan early?
Most loan companies will let you repay your loan early without incurring penalties. Check with your broker before taking out a secured loan.

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Can I top up my loan?
You can usually top up your loan after a set period from the time you first took out  the loan.

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What if I'm ill or if I'm made redundant?
Ask your broker about Payment Protection Insurance or PPI. This will cover you incase of a sudden change in circumstances.

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How do I apply for a Secured Loan?
You can apply for a secured loan with The UK Debt Advisor. Call us free on 0800 043 2027 or use our free call back service.

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