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Secured Loans

A secured loan is a loan where the lender will take a charge over a property. These are often loans where the lender is unwilling to lend on an unsecured basis and where they take a legal charge over your home that comes after your mortgage and is known as a second charge.

Such a type of loan can be useful if for example you wanted to undertake some home improvements but your current mortgage lender was unable to assist and where a re mortgage is not suitable in the case for example where your current mortgage is on a product with a very low interest rate and by re mortgaging you would lose this. Quite often the maximum  loan to value on a secured loan is much less than on a mortgage.

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