Homeowner Loans

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Fantastic finance solutions brought to you by:

MAINSTREAM & SPECIALIST FINANCE SOLUTIONS

We are independent brokers able to access the best and most competitive secured loan facilities.

  • Loan amounts from £10,000 to £2.5 million
  • Loan terms from 3 to 25 years
  • Interest rates from 3.37% variable
  • High LTV - Up to 125% in some cases
  • Employed and self-employed applicants accepted
  • Adverse credit plans available
  • Independent brokers who have access to the whole market
  • No broker fees

Think carefully before securing other debts against your home. KIS Finance is a trading name of Key Loans and Mortgages Limited which is authorised and regulated by the Financial Conduct Authority (FCA). FCA Ref. 734892. The FCA does not regulate some forms of mortgage. Registered address: Wentwood Cwrt, Usk, Monmouthshire, NP15 1LF. Registered in England and Wales, Company No. 06524192. The rates and terms above are matched to The Loan Partnership product guide: https://www.theloanpartnership.co.uk/broker-and-introducer-zone/product-guide/

What is a secured loan?

A secured loan, also commonly referred to as a second charge mortgage or homeowner loan, is a loan that can be secured against the value of your property. Secured loans allow you to borrow larger amounts of money over long repayment terms and can often be used as an alternative to re-mortgaging. As you are providing an asset as security, secured loans are lower risk and therefore attract lower interest rates and better terms than unsecured loan options.

How do secured loans work?

A secured loan acts similarly to a mortgage in that it will be secured against your home and you will be required to make monthly repayments for the full term of the loan. These repayments will usually be made up of both capital and interest.

Any outstanding mortgage that you have on the property will be the first charge loan and a secured loan will be placed behind it as a second charge loan. This means that the mortgage lender will be the first priority in the event of loan default and property repossession, and the secured loan lender will be second.

The amount that you can borrow will be dependent on the amount of equity that you have available in the property, as well as your income and credit history.

What can a secured loan be used for?

A secured loan can be used for any reasonable and legal purpose, but common examples include:

  • An alternative to re-mortgaging
  • Debt consolidation
  • Home improvements
  • Raising funds for your business
  • Raising a deposit to purchase a second property
  • Paying school tuition fees
  • Buying a new car
  • Paying a tax bill
  • Extending the lease on a property
  • Paying for a wedding
  • Exit for an existing bridging loan

What can the loan be secured on?

The following property types can be used as security:

  • Houses
  • Flats
  • Bungalows
  • Cottages
  • Converted properties
  • Self-builds

The benefits of a secured loan

There are a number of benefits that a secured loan can provide:

Higher borrowing

As you are providing your property as security, loan amounts are much higher than for most unsecured loan options.

Length of term

With the ability to take out a secured loan for up to 25 years or even longer, the payments are more manageable and affordable as they are spread over a long period of time.

Interest rates

Secured loans are lower risk than unsecured loans so the interest rates are lower.

Poor credit history

If you have adverse credit, you may still qualify for a secured loan as you are providing an asset as security.

Any purpose

You can use a secured loan for any reasonable and legal purpose.

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