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What is a Secured Loan?
Secured Loan Pros and Cons
Secured Loan FAQs

Secured Loans Pros and Cons


  • You can borrow more with a Secured Loan, although this will depend upon a number of factors, such as your financial and employment status, your equity levels and credit history.
  • Secured Loans are a good debt help option to people who have a bad credit rating and cannot obtain any form of unsecured finance. Although, you would probably be charged higher interest rates than someone with a good credit rating.
  • You get longer repayment periods than you would with an Unsecured Loan, in some cases up to thirty years. This can help you keep your monthly repayments low.
  • There are some very good rates available on Secured Loans. Check your Credit Rating and make sure you do you research on the best lenders before taking out a loan. Use an independent broker to get impartial advice.


  • Secured loans are secured against your home. This means that if you don’t keep up with repayments and fall into arrears you could risk losing your home.
  • Interest rates and house prices have an effect on you repayment amounts. If house prices fall sharply after you have taken out a Secured Loan you could find that you fall into negative equity which will mean you owe more on your home than the property is actually worth.
  • Secured Loans are available over a long term. This is good in the fact that it keeps you monthly repayments low but it can also leave you in debt for a very long time. Some lenders will charge you penalties if you want to pay of the loan early.

The UK Debt Advisor can help you apply for a Secured Loan.
Call us free on 0800 987 5337 or use the call back phone below.