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Secured Loans

Raise money for almost any purpose, Wise Buy gives you easy access to some of the country's leading home owner loan providers, with plans to help many different circumstances apply online for a free quote as well as no obligation help & guidance.

Please use the loans tables below to find a secured loan deal to help you raise some extra money for a newer car, to improve your home or take a holiday in the sunshine. Maybe it is time to take control of your finances and reduce your monthly outgoings by consolidating your existing debts into one manageable monthly repayment.

The secured loans table below is split into ‘Good’, ‘Fair’ and ‘Poor’ credit profiles and you should use the credit rating which closest relates to your credit history. Remember that many people have a much better credit profile than they think, but don't worry, if you're not sure we will offer the best plan that we can for your individual circumstances, in any case.

Please hover over the coloured boxes below to help establish your credit ratings.

Lender Plan Rate Typical APR Product Details 11.24% APR Typical 11.7% APR 11.24% APR Typical 11.7% APR Loan Amount Range (£) 10,000 - 100,000 Loan Type Variable Maximum Loan To Value 75% Minimum Property Value 80,000 Plan rate based on 26,000 over 120 months 75% LTV typical broker fee 8% Total (only if loan runs full term) 120 x £353.70 Total amount payable £42,444.00 Term (months) 60 - 300 Minimum Age 21 Loan must complete by age 75 Self employed with Accounts? Yes Self Cert for Self Employed? No Parent company Principality Building Society ' 13.83% APR Typical 15.9% APR 13.83% APR Typical 15.9% APR Loan Amount Range (£) 5,000 - 100,000 Loan Type Fixed for Term Maximum Loan To Value 80% Minimum Property Value 60,000 Plan rate based on 26,000 over 120 months 50% LTV typical broker fee 8% Total (only if loan runs full term) 120 x £388.58 Total amount payable £46,629.60 Term (months) 36 - 360 Minimum Age 18 Loan must complete by age n/a Self employed with Accounts? Yes Self Cert for Self Employed? Yes Parent company Ocean Finance and Mortgages Ltd. ' 13.93% APR Typical 15.0% APR 13.93% APR Typical 15.0% APR Loan Amount Range (£) 10,000 - 75,000 Loan Type Variable Maximum Loan To Value 60% Minimum Property Value 100,000 Plan rate based on 26,000 over 120 months 60% LTV typical broker fee 8% Total (only if loan runs full term) 120 x £389.99 Total amount payable £46,798.80 Term (months) 60 - 300 Minimum Age 18 Loan must complete by age 70 Self employed with Accounts? Yes Self Cert for Self Employed? No Parent company GE Money Home Lending ' 15.73% APR Typical 18.7% APR 15.73% APR Typical 18.7% APR Loan Amount Range (£) 5,000 - 100,000 Loan Type Variable Maximum Loan To Value 80% Minimum Property Value 75,000 Plan rate based on 26,000 over 120 months 70% LTV typical broker fee 8% Total (only if loan runs full term) 120 x £414.73 Total amount payable £49,767.60 Term (months) 36 - 360 Minimum Age 18 Loan must complete by age n/a Self employed with Accounts? Yes Self Cert for Self Employed? Yes Parent company Blemain Group ' 17.61% APR Typical 16.9% APR 17.61% APR Typical 16.9% APR Loan Amount Range (£) 1,000 - 25,000 Loan Type Variable Maximum Loan To Value 70% Minimum Property Value 50,000 Plan rate based on 25,000 over 120 months 60% LTV typical broker fee 8% Total (only if loan runs full term) 120 x £423.94 Total amount payable £50,872.80 Term (months) 12 - 180 Minimum Age 18 Loan must complete by age n/a Self employed with Accounts? Yes Self Cert for Self Employed? Yes Parent company Norton Finance (UK) Ltd. '

OUR TYPICAL, VARIABLE RATE IS 17.9% APR. RATES RANGE FROM 9.7% to 29.9% APR THINK CAREFULLY BEFORE SECURING 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. Loans Secured On Your Home

Let Wise Buy simplify your search of the secured loans market in the UK, which have over 100's secured loans to choose from. We could help you save time and money by comparing them for you and mean that you don’t have to contact all the secured loan providers separately looking for a cheap rate for a secured loan.

By securing your assets (usually your home) as cover if you default on loan payments a loan provider views you as a lower risk and very often will lower the rates offered. The rates can be over longer periods and the loans available for larger amounts than unsecured loans. If you are looking for a loan secured against your property let Wise Buy help you get a quote today.

Secured loans are available to those looking for a cheap secured loan. Let Wise Buy help you find the best secured loan for your circumstances, even if you have a poor credit rating. Through Wise Buy we can help you save further as we may find rates lower than the provider’s advertise and that you would be not be able to get direct.

As a lender’s risk is lowered with a secured loan they generally accept a longer payment schedule or reduce the rate of interest. This means that you will have a lower monthly loan payment and hence may have more to spend on other outgoings. A secured loan provider can take your home if you fail to keep up the agreed loan payments. You should therefore carefully consider when taking out the best secured loan; the advantages of lower regular payments against the risk of losing your home if you should default.

Unsecured loans are the alternative to secured loans and they offer no protection to the loan provider if you default. The rates are usually higher, the amounts loaned are generally less and the maximum term is notably shorter with unsecured loans. Credit rating plays a more important role with unsecured loans as they do not have your assets as security if you default on the payment.

If you have a large purchase to finance or need to consolidate existing debts a cheap secured debt could be your best option. With a secured loan you can borrow over longer periods of time and generally pay less a month as your asset (generally your home) is used as security.

Compare online in minutes; whether you are looking for the best secured loan for your circumstances or for a cheap secured loan; Wise Buy can help. The service is quick and easy and will provide a free, no obligation quote.

We can also put you in touch with trusted secure loan brokers & lenders who could help you get a cheaper than the advertised rate. Discuss your individual requirements and your circumstances with a leading secured loans advisor and let them help you get the best possible rate.

Wise Buy‘s quick and easy secured loan search is free, without obligation and doesn’t run credit checks, so why not use it today? Compare cheap secured loans.

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