Secured Loans

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Secured and Personal Loans
We are a licensed credit broker, not a lender.
Loans for Homeowners and Tenants
We are a licensed credit broker, not a lender.

No upfront fees to help you find a loan*

No upfront fees to help you find a loan*


Secured Loans - Apply with Easy Loans Company


Secured loans are loans that are secured against an asset, typically your home, therefore these types of loans are only available to homeowners.

Being approved for an Unsecured loan is available to both homeowners and tenants, however they are not secured against any asset.Secured loans are available to homeowners only, using equity in your home to use as collateral against the new borrowing. This can often mean that the rates are lower than the unsecured option, and you may be more likely to be accepted having used your equity to “secure? the loan. This gives the lender more comfort that the loan repayment will be made, and it’s vitality important that you do. Your home is at risk if you do not keep up repayments towards a loan or mortgage secured against it. A charge will be registered against your property in a similar way to your mortgage, and will remain there until the loan has been paid back in full.

It is therefore vitally important to make sure you are comfortable in paying the loan back. Failure to do this will not only lead to a bad credit score, it may lead to repossession of your property if the loan account is not conducted satisfactorily. Think carefully before making the decision to secure any credit against your home. Whilst often cheaper and more accessible, there are dangers if you fail to keep up repayments.
Please read Secured Loan Advantages and Disadvantages before applying.The easy loans company make applying for these types of loans very simple, as you will be able to get a no obligation quotation for any amount up to £100,000 by filling out the online form below.

   

Before applying, please consider the following;

  • Read all documentation carefully before signing
  • Ensure you understand the nature of the obligations you will take on and the resulting risks
  • If unsure please obtain independent advice or take time to consider if this is right for you
  

We'll help you find the best secured loans considering your personal circumstances. We charge no upfront fees

Complete our simple application form to find the best secured loans for you

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What You Need to Know about Secured Loans

There are various reasons why people need loans, the most common reasons are home improvements, or to consolidate existing debts.
There are basically two types of loans available –  secured loans and unsecured loans. In order to qualify for the former type of loan, the applicant must typically be a homeowner, as the home is usually what is used as security. You should always think carefully before securing a loan against your home as failure to keep up repayments on a mortgage or secured loan may lead to repossession, therefore it is crucial that repayments are made on time.

Unsecured loans, are loan amounts that are not secured against any assets, however it is still important to make sure these loans are affordable as none payment will seriously affect your credit rating, which will mean future borrowing will be difficult.
Whichever loan option you wish to apply for, it is important that you can afford the loan. Easy Loan Company work with lenders that welcome applications from people with a good or bad credit rating. We will look at your current situation in terms of your earnings and outgoings to assess whether you meet the criteria to afford a loan.
There are some things to consider with secured loans;
1.The lender will look to register their security, if against a property usually by placing a legal charge on the deeds by notifying the land registry of their security. This means you would not be able to sell the property without repaying their loan.
2.Secured loans are often for higher amounts and therefore over longer periods than unsecured loans.  When taking a loan over a longer period you have to remember that interest is charges over longer meaning the total amount you repay may be higher.

3.If the property is owned in joint names then both people who are on the deeds need to be on the application, if only one person applies with a jointly owned property the lender is likely to decline the application unless both people are added.

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THE GUIDANCE AND/OR ADVICE CONTAINED WITHIN THE WEBSITE IS SUBJECT TO UK REGULATORY REGIME AND IS THEREFORE PRIMARILY TARGETED AT CUSTOMERS IN THE UK.

PLEASE THINK CAREFULLY BEFORE SECURING LOANS AND OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. SECURITY MAYBE REQUIRED.
ALL LOANS ARE SUBJECT TO AN ASSESSMENT AND CREDIT APPROVAL.
ALL RATES VARY SUBJECT TO LOAN AMOUNT, LOAN TYPE AND STATUS.
REPAYING YOUR DEBT OVER A LONGER PERIOD OF TIME MAY INCREASE THE AMOUNT YOU PAY.
WARNING – LATE OR MISSED PAYMENTS CAN CAUSE YOU SERIOUS MONEY PROBLEMS AND COULD SERIOUSLY AFFECT YOUR CREDIT RATING. FOR HELP GO TO MONEYADVICESERVICE.ORG.UK

EASY LOANS COMPANY ACT AS A BROKER PROCESSING THE INFORMATION THAT YOU PROVIDE TO US AND PASS THIS ON TO OUR LIMITED GROUP OF THIRD PARTY LENDERS AND BROKERS.
WE DO NOT CHARGE A BORROWERS FEE FOR THE USE OF OUR BROKERAGE SERVICES, HOWEVER WE DO RECEIVE COMMISSION FROM LENDERS (OR OTHER BROKERS) WHEN BORROWERS SIGN INTO A CREDIT AGREEMENT FOLLOWING AN INTRODUCTION THROUGH THE EASY LOANS COMPANY WEBSITE.
IN THE CASE OF SECURED LOANS THE FEE RECEIVED MAY BE UP TO 7%. TELEPHONE CALLS FROM UK LAND-LINES ARE USUALLY FREE, HOWEVER CHARGES VARY FROM MOBILE PHONES SO PLEASE CHECK WITH YOUR NETWORK PROVIDER. CALLS MAY BE RECORDED FOR TRAINING AND MONITORING PURPOSES.
AS OPERATOR OF THIS WEBSITE, EASY LOANS COMPANY IS NOT AN AGENT OR REPRESENTATIVE OF CONSUMERS OR ANY LENDERS AND THEREFORE DOES NOT ENDORSE THE SERVICES OFFERED BY SPECIFIC LENDERS.
THE GUIDANCE AND/OR ADVICE CONTAINED WITHIN THE WEBSITE IS SUBJECT TO UK REGULATORY REGIME AND IS THEREFORE PRIMARILY TARGETED AT CUSTOMERS IN THE UK. FOR MORE INFORMATION ON HOW WE HANDLE YOUR DATA SEE OUR PRIVACY POLICY (FOR FURTHER DETAILS ABOUT EASY LOANS COMPANY SEE OUR TERMS AND CONDITIONS)

www.easyloanscompany.co.uk is a registered Trading Name of Nationwide Direct Financial Limited which is an Introducer Appointed Representative of Quint Group Limited, and is entered on the Financial Services Register under reference number 723650. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450. Nationwide Direct Financial Limited is registered in England and Wales (Company number 05999918), Registered Office; Manchester House, 84 Princess, Street, Manchester, Greater Manchester, M1 6NG. Licenced by the Information Commissioners Office, (registration number Z9808421).
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details on the FOS can be found on its website at www.financial-ombudsman.org.uk.

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Common Search Terms used include: BAD CREDIT LOANS | LOANS FOR BAD CREDIT | LOANS WITH BAD CREDIT | LOANS BAD CREDIT | BAD CREDIT

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