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Your Loan made Simple

Find your Secured Homeowner loan with the help of expert advice, 5 star customer care and no obligation.

Check your Eligibility in minutes

No Hidden Fees

No Obligation Quote

Wont Affect Your Credit

Payment Received

£35,890.00

Man Image

Your Loan made Simple

Find your Secured Homeowner loan with the help of expert advice and 5 star customer care.

Check your Eligibility in minutes

No Hidden Fees

No Obligation Quote

Wont Affect Your Credit

Payment Received

£35,890.00

Man Image
Man Image

Find the Secured Loan which is right for you

Competitive Rates

we search and compare the market from over 600 plans to find the most suitable loan products for our customers, giving you more choice.

Competitive Rates

we search and compare the market from over 600 plans to find the most suitable loan products for our customers, giving you more choice.

Competitive Rates

we search and compare the market from over 600 plans to find the most suitable loan products for our customers, giving you more choice.

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Flexible Terms

Borrow between £3,000 and £500,000 over one to 30 years

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Flexible Terms

Borrow between £3,000 and £500,000 over one to 30 years

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Flexible Terms

Borrow between £3,000 and £500,000 over one to 30 years

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Poor Credit Options

Even if you’ve been turned down elsewhere, we could still help. We have access to specialist lenders who help customers in your situation.

Feature Icon

Poor Credit Options

Even if you’ve been turned down elsewhere, we could still help. We have access to specialist lenders who help customers in your situation.

Feature Icon

Poor Credit Options

Even if you’ve been turned down elsewhere, we could still help. We have access to specialist lenders who help customers in your situation.

Feature Icon

Won't Affect Your Credit

A No Obligation Eligibility check won’t affect your credit score

Feature Icon

Won't Affect Your Credit

A No Obligation Eligibility check won’t affect your credit score

Feature Icon

Won't Affect Your Credit

A No Obligation Eligibility check won’t affect your credit score

Line

Your Loan made Simple

Find your Secured Homeowner loan with the help of expert advice, 5 star customer care and no obligation.

Check your Eligibility in minutes

No Hidden Fees

No Obligation Quote

Wont Affect Your Credit

Payment Received

£35,890.00

Man Image

The Simple Steps to Receive Your Secured Homeowner Loan

The Simple Steps to Receive Your Secured Homeowner Loan

01

01

You submit your application

You submit your application

Once submitted, your requirements are assessed and the panel of lenders are reviewed to see which can provide the best loan for you.

Once submitted, your requirements are assessed and the panel of lenders are reviewed to see which can provide the best loan for you.

02

02

Decision in Principle (DIP)

Decision in Principle (DIP)

Typically provided within 24 hours of assessing your requirements. Any necessary information or documents would be submitted at this stage.

Typically provided within 24 hours of assessing your requirements. Any necessary information or documents would be submitted at this stage.

03

03

Underwriting & Final Approval

Underwriting & Final Approval

Evaluation phase completed by the lender before releasing the funds.

Evaluation phase completed by the lender before releasing the funds.

04

04

Funds Disbursed

Funds Disbursed

Once everything is approved and finalized, the funds are released.

Once everything is approved and finalized, the funds are released.

What if I have CCJs, defaults or mortgage arrears ?

Whatever your previous credit history, our experienced customer care team can help you find a loan with the best terms available for your situation. Even if you’ve been turned down elsewhere, we could still help. We have access to specialist lenders who help customers in your situation.

What happens after I apply ?

As soon as we get your online application we'll assess your requirements and match them with the best deal from our panel of lenders. You’ll also get a friendly and experienced customer manager to guide you step by step through the process. Applying is free and you’re under no obligation, there are no interviews and no salesmen will call.

How much can I borrow ?

Depending on your income and the amount of equity in your property, you can borrow anything from £3,000 to £500,000 with repayment terms from 1 year to 30 years. If you know how much you can afford to pay every month, click here to go to our loan calculator and see how much you could borrow.

What can I use my loan for ?

Your loan can be used for whatever you like. You can clear your credit cards, store cards and other high interest borrowings, to enjoy one, more affordable, monthly payment. You could use it for home improvements, whether you’re redecorating or adding a conservatory or loft conversion, a new car, a luxury holiday or help with your children's first home or college fees. It’s up to you.

How confidential is my application ?

We treat your application in the strictest confidence and will never contact your employers, banks or any other third party without your permission. Our reputation is built on the trust and confidentiality we offer our customers.

How quickly will I receive my money ?

An experienced customer manager will guide you through the application to ensure your money arrives as quickly as possible. They’ll keep you up-to-date on the progress of your loan at all times.

Check your Eligibility for a Secured Homeowner Loan

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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 YOU REPAY.


SECURED LOANS - Rates from 5.69% variable. We also have a range of plans with rates up to 36.6% allowing us to help customers with a range of credit problems.


Representative 11.3% APRC variable.

Representative example: if you borrow £34,480 over 10 years , initially on a fixed rate for 5 years at 7.60% and for the remaining 5 years on the lenders standard variable rate of 8.10%, you will make 60 monthly payments of £467.50 and 60 monthly payments of £473.06. The total repayable would be £56,528.60 (This includes a lender fee of £595 and a broker fee of £4137). The overall cost for comparison is 11.3% APRC representative. Maximum APR 36.6%


All fees charged by our partner (Norton Finance) will be explained in detail and subsequently in writing prior to commencement of any loan that our partner(s) are able to provide.

A broker fee of up to 12.5% of the loan amount borrowed, capped at £4950, may be payable on completion. Lender fees may also apply. The actual APRC rate available will depend on your individual circumstances. Loans and remortgages are subject to status. Please ask for a personalised illustration. Loans are secured on property.

Fees will only be payable where further services from our partner are requested and depending on the solution, costs may vary.


When we introduce you to Norton Finance, please be aware you are subject to their terms conditions and privacy policy.


Apply4Loan.co.uk is a trading name of Ruby Holdings Ltd.

All information and services provided by Ruby Holdings Ltd are free of charge.

Ruby Holdings Ltd Registered office: Suite 3, 2nd Floor, Didsbury House 748 – 754 Wilmslow Road

Manchester. M20 2DW


Data Protection Number: ZA130896

Financial Conduct Authority Reference Number: 763879

Registered in England and Wales, Company Registration Number: 09496123

By submitting an enquiry, you confirm that you have consented to being contacted by Apply4Loan.co.uk (Trading name of Ruby Holdings Limited) and/or our partners so therefore we may contact you by post, phone, WhatsApp and email however you can OPT-OUT at any time by informing us or our partners directly.

Please refer to our privacy policy for a list of partners and their contact details.

Logo

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 YOU REPAY.


SECURED LOANS - Rates from 5.69% variable. We also have a range of plans with rates up to 36.6% allowing us to help customers with a range of credit problems.


Representative 11.3% APRC variable.

Representative example: if you borrow £34,480 over 10 years , initially on a fixed rate for 5 years at 7.60% and for the remaining 5 years on the lenders standard variable rate of 8.10%, you will make 60 monthly payments of £467.50 and 60 monthly payments of £473.06. The total repayable would be £56,528.60 (This includes a lender fee of £595 and a broker fee of £4137). The overall cost for comparison is 11.3% APRC representative. Maximum APR 36.6%


All fees charged by our partner (Norton Finance) will be explained in detail and subsequently in writing prior to commencement of any loan that our partner(s) are able to provide.

A broker fee of up to 12.5% of the loan amount borrowed, capped at £4950, may be payable on completion. Lender fees may also apply. The actual APRC rate available will depend on your individual circumstances. Loans and remortgages are subject to status. Please ask for a personalised illustration. Loans are secured on property.

Fees will only be payable where further services from our partner are requested and depending on the solution, costs may vary.


When we introduce you to Norton Finance, please be aware you are subject to their terms conditions and privacy policy.


Apply4Loan.co.uk is a trading name of Ruby Holdings Ltd.

All information and services provided by Ruby Holdings Ltd are free of charge.

Ruby Holdings Ltd Registered office: Suite 3, 2nd Floor, Didsbury House 748 – 754 Wilmslow Road

Manchester. M20 2DW


Data Protection Number: ZA130896

Financial Conduct Authority Reference Number: 763879

Registered in England and Wales, Company Registration Number: 09496123

By submitting an enquiry, you confirm that you have consented to being contacted by Apply4Loan.co.uk (Trading name of Ruby Holdings Limited) and/or our partners so therefore we may contact you by post, phone, WhatsApp and email however you can OPT-OUT at any time by informing us or our partners directly.

Please refer to our privacy policy for a list of partners and their contact details.

Logo

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 YOU REPAY.


SECURED LOANS - Rates from 5.69% variable. We also have a range of plans with rates up to 36.6% allowing us to help customers with a range of credit problems.


Representative 11.3% APRC variable.

Representative example: if you borrow £34,480 over 10 years , initially on a fixed rate for 5 years at 7.60% and for the remaining 5 years on the lenders standard variable rate of 8.10%, you will make 60 monthly payments of £467.50 and 60 monthly payments of £473.06. The total repayable would be £56,528.60 (This includes a lender fee of £595 and a broker fee of £4137). The overall cost for comparison is 11.3% APRC representative. Maximum APR 36.6%


All fees charged by our partner (Norton Finance) will be explained in detail and subsequently in writing prior to commencement of any loan that our partner(s) are able to provide.

A broker fee of up to 12.5% of the loan amount borrowed, capped at £4950, may be payable on completion. Lender fees may also apply. The actual APRC rate available will depend on your individual circumstances. Loans and remortgages are subject to status. Please ask for a personalised illustration. Loans are secured on property.

Fees will only be payable where further services from our partner are requested and depending on the solution, costs may vary.


When we introduce you to Norton Finance, please be aware you are subject to their terms conditions and privacy policy.


Apply4Loan.co.uk is a trading name of Ruby Holdings Ltd.

All information and services provided by Ruby Holdings Ltd are free of charge.

Ruby Holdings Ltd Registered office: Suite 3, 2nd Floor, Didsbury House 748 – 754 Wilmslow Road

Manchester. M20 2DW


Data Protection Number: ZA130896

Financial Conduct Authority Reference Number: 763879

Registered in England and Wales, Company Registration Number: 09496123

By submitting an enquiry, you confirm that you have consented to being contacted by Apply4Loan.co.uk (Trading name of Ruby Holdings Limited) and/or our partners so therefore we may contact you by post, phone, WhatsApp and email however you can OPT-OUT at any time by informing us or our partners directly.

Please refer to our privacy policy for a list of partners and their contact details.