A Better Chance at Getting a Secured Loan, Today

Our online enquiry form is quick and easy.
We’ll match you with the best-fit lender for you.

Sometimes called “homeowner loans”, you’re able to get a secured loan if you’ve got an asset that a loan can be secured against – this is usually a house. So, if you’re a home-owner you’ve got a much better chance of getting a secured loan.

The best thing about this kind of loan, is that because lenders have the security of your asset, they might be able to give you a better repayment rate. What’s more, if you have found it tricky to get a loan in the past, it might be a good option.

Sorting out any loan though can be confusing and time-consuming, so let our lenders take the stress away.

Enquire and see what you could get…

1. Complete the form

We’ll simply ask for some details about you and your situation, and find out what secured loan you’re looking for.

2. We find your loan

We partner with credit brokers who have a large panel of lenders, to look for the best secured loan for you.

3. It’s all done!

Soon the money will hit your bank account, ready for you to enjoy.
Whatever you spend your loan on, we’d love to see a photo, you can tag us on social media using #bcf

  • Are over 18
  • A UK resident
  • Have a regular income
  • Owner of an asset, such as a house

Let’s work it out

You can use our calculator to find out what you’d pay each month.
Best rates are displayed, your circumstances may be different.

Secured Loan

£5,000 £2,500,000
1 years35 years
  • Overview of rates:
Your repayments are
every years at
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Secured Loans

Our brokers work with many trusted lenders, so are in a great position to do all the shopping around for you, making getting a secured loan straightforward and hassle-free.

What you can borrow will depend partly on the value of your home, and other factors such as your income and general outgoings. If you’re worried about having a bad credit score, a secured loan could be ideal for you, because lenders are more likely to agree a loan if it’s secured against an asset, and this is true even for people who’ve got a bad credit score.

Applying for a secured loan can be stressful, but they do all the hard work for you. Instead of wasting time on lots of applications, that might be declined, you just give us a few basic details, and let us know the value of your property, and they will look for the right loan for you.

  • Our brokers search hundreds of loans, from trusted lenders
  • Simple and straightforward – we do all the hard work
  • Whatever your credit history, applying is free*, so see what you could get

Whatever you need a secured loan for, our brokers make sure you have a better chance of getting the money you’d like.

How do we give you a Better Chance?

Better Rates

Better Rates

Our brokers search the real-time current loan offers from a wide range of lenders, making sure whatever your circumstances and credit rating or history, you’ve got a better chance of a lower rate when applying with us.

The rates offered will depend on your circumstances.

Better variety of lenders

Better variety of lenders

Even if you’ve been rejected for a secured loan before, don’t worry, our brokers have access to lenders and their absolute best deals, and these aren’t always shown to the general public.

There’s no obligation, so find out today which lenders would give you the best deal.

Better loans for… whatever!

Better loans for… whatever!

Our customers are free to spend their loans on almost anything, so from booking the holiday you deserve, to organising a wedding – you can rest assured you’ve got the money you need to make it happen.

Enquiring is quick, simple and free*

Giving you a Better Chance at getting a loan, even if you’ve got bad credit.

We believe a poor credit history, shouldn’t mean a bleak credit future.

If you’ve got a bad credit history, you’ve probably found it can be tricky to get lenders to lend, and brokers may steer clear too. Getting a mortgage might seem impossible, even if you’ve had one before.

But we believe in a better chance for everyone.  Apply with Better Chance Finance, and find the best option for your situation – even if in the past you’ve had some problems with credit.

Completing your secured loan form

Enquiring is quick and easy, leave the rest to us.

  • Complete the form

    There are some simple, straightforward questions to answer, so we get the basic information we need to give you a better chance at your ideal loan.

  • We’ll find your secured loan

    We securely send your details to our partner broker who will give you a better chance at the ideal loan for you. They deal with the lender on your behalf and get in touch with you to complete the process.

  • That’s it!

    The cash will soon hit your bank, and you can go ahead and spend it!

    Whatever it is you choose to spend your loan on, we’d love to see a photo, tag us on social media using #bcf

Secured Loan FAQ

How does a secured loan work?

This depends on which kind of secured loan you’re applying for and require. In general though, the first step is for you to give us some information about yourself, and with your permission, our brokers will then search a panel of lenders. They match the details to the lender that’s most likely to be right for you.

They may require more information depending on different circumstances. If you decide to go ahead with your application, depending on the lender, they then might need to do a full credit search – but they’d ask for your permission beforehand.

Our brokers make sure the process is as quick and straight forward as possible. It only takes minutes to complete the enquiry form, but it can take 4 – 6 weeks for the underwriting and funds.

How long does it take for a secured loan?

We make sure the process is as quick and straightforward as possible, and it only takes a few minutes to complete a form and search our panel of lenders. They can quite often give a decision fairly soon, the broker completes a Fact Find and sources the lender and can then take between 4-6 weeks, but could be longer depending on circumstances. Each lender though has their own criteria and information required. The more accurate information you can give us the better and will help to determine how likely you are to get a loan.

I have bad credit, can you help me get a secured loan?

Yes, many customers come to us knowing we can offer a better chance of getting a secured loan, regardless of credit history. Our brokers work with a wide range of lenders in each area who each specialise in helping people in different circumstances. This means our brokers can help find you the deals that best suit you and your situation.

What am I able to spend my secured loan on?

What you do with your loan is pretty much up to you, from helping to pay for some much needed DIY, to funding a holiday you’ll always remember.

What are ‘hard’ and ‘soft’ credit searches?

Firstly, let’s explain a little about how credit files and scores work: Credit rating agencies build up files on all of us based on a mix of publicly available information (such as whether you’re on the Electoral Roll) and data from financial companies about products you have or have had in the past, such as loans and credit cards. From this they calculate a credit score, which companies check when they’re working out whether to give you a product such as a loan, and on what terms.

Managing your finances well and always paying off what you owe on time will help to give you a good score. As you’d expect, missing payments, will lower your score. Every time someone looks at your file, it is recorded as a ‘hard’ or ‘soft’ search. Finance companies often need to make hard searches when you apply to them for a credit product, and each hard search remains on your credit report for two years. This matters because, for many lenders, several hard searches in a short period suggests you might be struggling to get finance, or that you’ve opened several accounts and that might prove difficult to keep on top of.

Soft searches occur when you or someone else looks at your file, but doesn’t complete an actual application.

Enquire for a secured loan

Property Details

* Your initial consultation and any quotations are free and you are under no obligation to proceed with any options that may be available to you. If you choose to go ahead with a mortgage or secured loan all fees will be confirmed when your solution is presented by your advisor.