Applicants must be homeowners, residing in the UK and over the age of 18 to apply. They must be in permanent employment, receiving a pension or disability benefit/living allowance and meet the lenders criteria and credit affordability assessment.
All applications will be subject to a hard credit search which will result in the search being recorded on your credit file. The credit check process could potentially have damaging influences on your credit file. All affordability assessments will be carried out in line with the individual direct lenders lending criteria.
Our cheapest loan rates are available to applicants with a good history of credit.
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.
IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERM OF THE DEBT AND INCREASING THE TOTAL AMOUNT TO REPAY.
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Happy Homeowners
Find A Loan With Us Every Day
- Borrow From £10,000 to £250,000
- Terms from 3 to 25 years
- Poor Credit Applicants Welcome
- Secured loan rates from 6.6% APRC
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11.4% Representative APRC
Representative Example: Borrowing of £40,000, plus £595 lender fee, plus £3,000 broker fee, totalling £43,595, over 192 months on a 5-year fixed product with an initial borrowing rate of 9.2%, following a variable rate of 9.6%. There would be 60 monthly instalments of £434.49, following 132 monthly instalments of £442.52. Total amount payable £84,577.09, made up of: Mortgage Amount £40,000, Interest £40,887.09, Lender fee £595, Broker fee £3,000, Exit Fee £95. Overall cost for comparison purposes 11.4% APRC. Please be advised that any interest rate fluctuations, during the life of the mortgage contract, will affect the total amount repayable. Cheap Loans is a trading style of TFLI (US) INC, an Appointed Representative of TFLI Limited who is a credit broker, not a direct lender, and is entered on the Financial Services Register under reference number: 723630.
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.
FEES MAY BE PAYABLE ON DEPENDING ON YOUR CHOICE OF PRODUCT. THIS WILL DEPEND ON YOUR CIRCUMSTANCES AND WILL BE DISCUSSED AT THE EARLIEST OPPORTUNITY.
Rates from 6.6% APRC
Representative Example: Borrowing of £40,000, plus £595 lender fee, plus £3,000 broker fee, totalling £43,595, over 192 months on a 5-year fixed product with an initial borrowing rate of 9.2%, following a variable rate of 9.6%. There would be 60 monthly instalments of £434.49, following 132 monthly instalments of £442.52. Total amount payable £84,577.09, made up of: Mortgage Amount £40,000, Interest £40,887.09, Lender fee £595, Broker fee £3,000, Exit Fee £95. Overall cost for comparison purposes 11.4% APRC. Please be advised that any interest rate fluctuations, during the life of the mortgage contract, will affect the total amount repayable. Cheap Loans is a trading style of TFLI (US) INC, an Appointed Representative of TFLI Limited who is a credit broker, not a direct lender, and is entered on the Financial Services Register under reference number: 723630.
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.
FEES MAY BE PAYABLE ON DEPENDING ON YOUR CHOICE OF PRODUCT. THIS WILL DEPEND ON YOUR CIRCUMSTANCES AND WILL BE DISCUSSED AT THE EARLIEST OPPORTUNITY.
Rates from 6.6% APRC
Why use Cheap Loans?
- Poor Credit Applicants Welcome
- Loans From £10,000 to £250,000
- Secure Online Application Form
- Rates from 6.6% APRC
- Totally Confidential
- We Don't Charge Any Upfront Fees
To Give You Total Peace Of Mind
If you are applying for a loan online, it is important that you choose a reputable company. Before you apply, here's a little bit of information to put your mind at ease.
We are registered with the ICO.
We are registered with the Information Commissioner's Office (ICO) under number ZB053626.
We are registered with the CCTA.
We are registered with the Consumer Credit Trade Association (CCTA) under number CCTA1200.
We are GDPR-compliant.
We fully comply with UK data protection laws and, specifically, our responsibility to our customers under the GDPR. We are always clear and transparent with regards to how your data will be processed.
We are based in the UK.
Cheap Loans is a UK company based in the beautiful rural county of Cheshire. Our full address is The First Floor, Beechwood Court, Tytherington Business Park, Springwood Way, Tytherington. Macclesfield. SK10 2XG.
Looking for a Homeowner Loan? Get a decision in principle today.
Loans From £10,000 - £250,000
Low Loan Rates From 6.6% APRC
Poor Credit Applicants Welcome
Cheap Loans is an online loan broker for the secured loan market. Working alongside some of the best-known secured loan lenders and brokers in the UK, we simplify the loan search process by accessing multiple different cheap homeowner loan providers with one application, searching a panel of direct lenders and brokers in real time, to return a quick secured loan decision in principle.
If you need a homeowner loan for any legal purpose, then we could help. Looking to consolidate your debts, or perhaps you would like a home improvement loan? Whatever your requirements, simply complete our short form and, if accepted, you could receive your loan faster than you think, with options to pay from 3 to 25 years, depending on the direct lender's requirements.
Once you submit your secured loan application, our smart homeowner loan sourcing engine instantly searches 100s of loan products and puts you in touch with a suitable direct lender / broker.
Cheap Loans is a trading style of TFLI (US) Inc., who is an Appointed Representative of TFLI Limited, who is a licensed credit broker and not a lender.
Note: No one from Cheap Loans or any financial partner will ever contact you and request that you send money or ask you to buy any products prior to receiving your loan.
Apply Now
If you need a homeowner loan for any legal purpose, then we could help. Looking to consolidate your debts, or perhaps you would like a home improvement loan? Whatever your requirements, simply complete our short form and, if accepted, you could receive your loan faster than you think, with options to pay from 3 to 25 years, depending on the direct lender's requirements.
Once you submit your secured loan application, our smart homeowner loan sourcing engine instantly searches 100s of loan products and puts you in touch with a suitable direct lender / broker.
Cheap Loans is a trading style of TFLI (US) Inc., who is an Appointed Representative of TFLI Limited, who is a licensed credit broker and not a lender.
Note: No one from Cheap Loans or any financial partner will ever contact you and request that you send money or ask you to buy any products prior to receiving your loan.
Apply Now
What is a Homeowner Loan?
As the name suggests, a homeowner loan is a type of loan that is only available to UK residents who own their own home.Homeowner loans (or secured loans as they are more commonly known) are secured against the borrower's home to alleviate risk for the lender. As a result of this additional security, borrowers are typically able to borrow larger amounts than with an unsecured personal loan, with amounts ranging from £10,000 up to £250,000.
Homeowner loans can also be a cheaper loan option for those with bad credit for the simple reason that lenders have added security, meaning that they are able to lend at cheaper loan rates with more confidence.
Should you have any questions, we recommend that you take a moment to read our Key Information. Refer to our Privacy Policy for important information on the use of cookies. By continuing to use this website, you agree to this.
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.
IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERM OF THE DEBT AND INCREASING THE TOTAL AMOUNT TO REPAY.
Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk
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