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If you currently have a loan with us and have been affected financially by the COVID-19 pandemic, please click here for ways in which we may be able to work with you during these difficult times.

Glossary

Secured Loan

A secured loan is often referred to as a homeowner loan because the debt is linked to the borrower's property. The amount you can borrow, repayment terms and interest rate offered on a secured loan is linked to your personal circumstances and the amount of 'free equity' you have in your property (this is the difference between the amount you owe on your mortgage and the value of your property). You can generally borrow more with a secured loan, but should you default on your payments you risk losing your property.

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Loans are subject to status and affordability. Consolidating debts may increase the term and the total amount payable.

Before entering into any credit agreement please make sure you can afford the monthly repayments, we recommend that you seek independent advice if you are unsure of any of the terms of our agreement. There may be other taxes or costs, not paid through us or charged by us, that you have to pay in connection with the agreement.

Late repayments can cause you serious money problems. For help go to www.moneyadviceservice.org.uk

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