Secured loans for homeowners
Get lower rates by securing your loan against your home. We help you find the best quotes from specialist lenders.
Loans from £10K to £250K
No hidden fees
No upfront credit checks
All credit types considered
Repayment over 3-30 years
100% LTV products available
Get the funds you need, when you need them.
Loans in 3 simple steps
Arranging a loan has never been simpler. Find the best rates on the market in just a few minutes.
Check eligibility
Let us know your details, the amount you need, and information about your property, and we'll check your eligibility.
Get matched
Once we receive your details and confirm you're eligible for a loan, we will match you with a an advisor or lender that suits your circumstances.
Receive funds
With your approval, the necessary property and legal checks are carried out. Once everything's cleared, the lender will release your funds. We always work to get this to you as soon as possible.
Customer testimonials
Find out what our customers have to say
Why use a secured loan
Lowest rates
By using your property as collateral you’re able to access much lower interest rates than a personal loan.
Higher loan amounts
Depending on the equity in your property, secured loans can let you borrow significantly more than an unsecured loan.
Longer repayment terms
Secured loans can offer longer repayment terms, making them a great option for larger loans.
Property as collateral
Because your property is used as a guarantee it’s important to keep up with repayments. Missing them could put your property at risk.
All credit types welcome
Consolidate debts
Give yourself some wiggle room by consolidating debts into one affordable monthly payment.
Up to 30 years repayment terms
Our dedicated team is here to guide you through the loan process and provide personalized support.
Loans for any purpose
Whether it’s a new vehicle, improvements to your home, or paying of credit cards we have you covered
Solutions tailored to you
Get expert advice from qualified advisors who will ensure your next step is the right one
Won’t harm your credit score
Perfect for debt consolidation
A secured loan can provide a helping hand with multiple debts. Borrow over a longer term to consolidate debts into a single, lower monthly payment.
Monthly payments before
Reduction after consolidation
New affordable monthly payment
£492
Won’t harm your credit score
Loans for any purpose
A new kitchen, renovations, a big trip, or perhaps some breathing room – we have you covered.
Consolidate debts
Tired of managing multiple payments? Pool them all together into a single squared-off amount. Streamline your repayments and potentially reduce your monthly outgoings.
Home improvements and renovations
From sprucing up the garden to adding a new conservatory, use our loans to bring your home improvement dreams to life without denting your current savings.
Provide a helping hand for poor credit
Past financial missteps shouldn’t always dictate your present. We consider the bigger picture, offering loan solutions even if your credit history isn’t picture-perfect.
Pay for major life events and emergencies
Whether it’s a dream wedding, a grand family holiday, or sudden house repairs our loans can help cover the significant milestones in life.
Vehicle Purchase
Time for a new ride? A secured loan can allow you to borrow a significant amount at some of the lowest rates on the market.
Why Squared?
Navigating secured loans might seem like a complex puzzle, but with Squared Money, every piece fits just right. Here’s what sets us apart:
Quick and simple
Begin with our straightforward online form. Within minutes, you’re on your way to securing the finance you need. No jargon, no fuss.
Bespoke solutions
Everyone’s financial landscape is different, and we respect that. After understanding your needs, we handpick loan proposals that sync perfectly with your situation.
Protecting your financial footprint
Our initial assessments utilise soft searches, ensuring no adverse impact on your credit profile.
No hidden fees
Hidden charges? Not on our watch. With Squared Money, you’ll always know exactly where you stand. No surprises, just clear, squared-up facts.
Competitive interest rates
Benefit from our competitive interest rates, ensuring affordable repayment options tailored to your needs.
Fast approval
Experience swift approval decisions, allowing you to access funds promptly for your financial goals.
Secured Loan Guides & Resources
If you’re interested in learning more about secured loans and how they could benefit your financial situation, we invite you to explore our comprehensive resources. Our guides cover everything from the basics of what secured loans are to more detailed aspects like how they can impact your credit score and the specific requirements for securing a loan against property.
In this guide, we’ll share essential tips on how to handle your secured loan responsibly. From budgeting effectively to understanding the nuances of your loan agreement, our aim is to help you steer a steady course through your financial journey. Let’s set sail on a path that leads to financial stability and peace of mind. Read More >
In this article, we’ll dive deep into the world of secured and unsecured loans. We’ll explore what sets them apart, delve into their pros and cons, and provide you with the knowledge to determine which loan type aligns best with your financial goals and situation. This comparison will serve as your guide in navigating the often complex landscape of personal finance, helping you make an informed and confident decision. Read More >
In this guide, we’ll share essential tips on how to handle your secured loan responsibly. From budgeting effectively to understanding the nuances of your loan agreement, our aim is to help you steer a steady course through your financial journey. Let’s set sail on a path that leads to financial stability and peace of mind. Read More >
Frequently Asked Questions
Find answers to common questions about our services and offerings.
A secured loan is a financial agreement where the loan amount is backed by an asset, typically your home. By using your property as collateral, you can often access lower interest rates and higher borrowing amounts than with unsecured loans. This arrangement means the lender has the added security of your property to cover the loan if repayments are not made, reducing the risk for the lender and often resulting in more favourable loan terms for the borrower.
A secured loan differs to an unsecured loan as an unsecured loan doesn’t require any guarantee, so it’s riskier for the lender. This means they might charge you a higher interest rate.
To learn more, check out our secured loans guide
Below is a comparison table that highlights the benefits of secured and unsecured loans, helping you understand which option might be better suited to your financial needs:
| Secured Loans | Unsecured Loans |
|---|---|
| Lower Interest Rates: Secured loans often have lower interest rates because the lender has the added security of collateral. This can make the overall cost of borrowing cheaper. | No Collateral Required: You don’t need to offer any property or assets as security, which is beneficial if you do not own suitable assets or do not wish to risk them. |
| Higher Loan Amounts: You can usually borrow more money with a secured loan, as the risk to the lender is reduced by the collateral you offer. | Faster Processing: Without the need to evaluate collateral, unsecured loans can often be processed and funded quicker. |
| Longer Repayment Terms: Secured loans can come with longer repayment periods, which can help lower your monthly payments by spreading them out over more time. | Less Risk to Personal Assets: Since there’s no collateral, your personal assets are not directly at risk if you fail to repay the loan (though there can still be financial and legal consequences). |
| Easier to Obtain with Poor Credit: Secured loans may be available to people with less-than-perfect credit histories, as the collateral reduces the lender’s risk. | Simpler to Manage for Small Amounts: If you need a smaller loan, an unsecured loan might be easier and more appropriate than going through the process of securing a loan with collateral. |
To learn more about the differences between secured and unsecured loans, see our guide.
Secured loans are available to homeowners who wish to borrow against the value of their homes. You can apply if you need to borrow amounts ranging from £10,000 to £250,000. We welcome applications from individuals with varying credit histories, including those with past financial challenges. The key criteria include owning a home, meeting our lending criteria related to your financial situation, and your ability to repay the loan.
Secured loans from Squared Money are versatile and can be used for various purposes, including but not limited to:
- Debt Consolidation: Combine multiple debt payments into one monthly payment with potentially lower overall interest.
- Home Improvements: Finance renovations or extensions that can increase the value of your home.
- Major Purchases: Fund significant expenses like buying a new car or covering the costs of a wedding.
- Financial Emergencies: Address unexpected expenses such as medical bills or urgent home repairs.
The amount you can borrow ranges from £10,000 to £250,000. The actual amount you are eligible to borrow will depend on several factors including the equity in your home, your income, your existing debts, and your credit history. Higher equity and a stable income can increase the amount you can borrow.
Our secured loans offer flexible repayment terms from 3 to 30 years, which allows you to spread the cost over a period that suits your financial circumstances. The length of your loan term will affect both your monthly payment amount and the total amount of interest you will pay over the life of the loan. Choosing the right term is essential to ensure that payments are manageable and the loan remains cost-effective.
The process for obtaining a secured loan is streamlined and user-friendly:
- Check Eligibility: Start by filling out a brief online form where you provide details about yourself, your financial situation, and the property you are securing the loan against. This step involves a soft credit check that does not impact your credit score.
- Get Matched: Based on the information provided, we assess your eligibility. If you qualify, we then match you with the most suitable advisor or lender from our network who can meet your specific borrowing needs.
- Receive Funds: Once you accept an offer, the lender will perform the necessary legal and property checks. Following approval, the loan amount is disbursed directly to your bank account as quickly as possible.
After you complete our eligibility check an adviser will be in touch promptly. From there, the time frame varies based on individual circumstances, but rest assured, we aim to process loans as swiftly as possible.
Past financial hiccups don’t define your entire story. At Squared Money, we look beyond just credit scores. By considering your overall financial picture, we strive to find a lending solution that suits you.
We match you with the best loan, tailored to your needs. Plus, with our streamlined process and connection to expert advisers, we ensure a hassle-free experience from start to finish.
Square your finances with us
today.
Discover how much you can borrow with our free loan assessment today.