Affordable Secured Loans
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Secured loans – which are also called second charge mortgages and homeowner loans – require you to use your property as security, which allows lenders to typically offer better terms compared to personal loans. Whether you’re employed, self-employed, or retired, our lenders will consider various income sources.
Not only could you have a longer repayment window which can make the repayments more manageable, but as a homeowner you stand a better chance of being approved, even if you have a less-than-perfect credit history.
You can use the funds for almost anything, with some of the most common being:
From high value loans for home improvements and debt consolidation to mortgage expertise and short-term bridging loans, we help you save valuable time, money and effort by doing all the hard work for you.
Reduce your outgoings and combine your debts into one monthly payment.
Fast and flexible loans for borrowers who need effective, short-term deals
Our guide covers answers to some common property-related questions.
Find affordable loans that can help you increase the value of your property
No matter your credit rating we’ll help you find a deal that works for you.
Raise the deposit you need to invest in new property or refurb an existing one.
Getting a quote won’t affect your credit score
Willows Finance has helped countless people from all walks of life to access the money they need without complicated delays. And we don’t just say that our customers come first – it’s something we put into action every single day.
Helpful and Efficient
I would highly recommend Willows Finance. They helped us organise finance recently and were efficient, transparent and proactive throughout the process. They understood our needs, identified and explained the solution clearly, and helped us to seemlessly complete the application. Thank you Willows!
S Hampton
Helpful and informative staff …
Willows finance have been extremely helpful and efficient in finding me a loan, I feel I’ve had just the right amount of contact not too pushy or overbearing, however they did chase me when I was slow with paperwork etc which was not a bad thing and ended in me receiving a loan in a timely manner.
Julie
10 out of 10 service
Willow finance were great start to finish, they always answered promptly and it was so helpful that they were able to communicate via WhatsApp as I couldn’t always be available for phone calls. Willows Team was patient, answered all my questions and endeavoured to make the process as seamless as possible. I would definitely recommend Willow and would use their services again if I ever needed it!
Faultless service
Great communication and very straightforward process. Everyone I dealt with was knowledgeable and helpful and replied really quickly to any queries I had. Would 100 percent recommend.
Sarah
Helpful
Helpful, understanding and very responsive.
Laura N.
If you are looking for a company that really does put their customers first then look no further.
If you are looking for a company that really does put their customers first then look no further. Their service is second to none. A personal thank you to Willows team who helped me no end.
Nicola
Bogged down by large debt repayments every month, Mrs Jones needed a solution. She was paying £852 per month towards her credit cards, personal account and store card. We helped her find a debt consolidation loan that allowed her to reduce her monthly payments to £173 per month.
Before applying, be aware that consolidating with a secured loan could mean you are extending the repayment term, which may increase the total amount you have to repay.
Ms Boothby
Monthly Reduction £732
Mr Farid
Monthly Reduction £622
Ms Nyoni
Monthly Reduction £738
Mr Simmonds
Monthly Reduction £629
Mr & Mrs Coombe
Monthly Reduction £636
Mr & Mrs Bowers
Monthly Reduction £543
Ms Nyoni
Ms Nyoni
Finding the right finance doesn’t have to be complicated – so, we’ve made the process clear and simple. Whether you’re applying for a Secured Loan, Mortgage or Bridging Finance, we’ll compare the market for the best options that meet your criteria and provide you with a fast no-obligation quote.
Complete a short online form and tell us how much you would like to borrow.
See if you meet the basic criteria for the loan and that you can afford the monthly repayments
We submit the application for the underwriter to review and issue the binding offer.
You sign and return the offer, and the lender releases the funds.
A secured loan is simply another term for a second charge mortgage. It is also sometimes referred to as a ‘homeowner loan’. It allows you to use the available equity in your home as security against the loan for things like debt consolidation, home improvements and pretty much anything else.
As long as you have enough equity in your home and meet the required criteria you can apply for a secured loan even if you have a less than perfect credit history. We work with specialist lenders who can offer deals designed specifically for people with bad credit. Plus, getting a quote won’t affect your credit score.
With Willows Finance you can apply to borrow between £10,000 and £1,000,000. Depending on your financial circumstances, our lenders can offer flexible and manageable monthly repayment terms to suit your finances.
If you wish to take out a secured loan you will need to use your property – be it your home or an investment property – as security. There will also need to be enough available equity available to cover the full loan amount. If you are not in a position to provide this, then an unsecured loan may be a better option.
Our lenders can offer both fixed rates and variable rates, depending on your preference and loan types available to you. Fixed rates offer certainty about how much you will pay each month for a set period. In some cases, fixed interest rates can be higher. On the other hand, variable interest rates can be lower, but monthly payments can change depending on the Bank of England rate.
You have the option to repay the outstanding balance on your loan at any time. However, many lenders will charge an Early Repayment Fee. Depending on how much is left to repay, this can make early repayment a less desirable outcome, so it’s important that you are able to afford the monthly repayments for the full duration of the loan.
If you are struggling to keep up the repayments, you should speak with the lender as soon as possible to discuss your situation. Secured loans are attached to your home or a property you own. Although it is often the last option, your home could be repossessed and sold by the lender if you default on the loan.
If you have a question – we’d be happy to talk to you – simply call us…
(Mon-Fri 9am-8pm, Sat 10am-1pm)
LOANS ARE SECURED AGAINST PROPERTY. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED UPON IT.
Willows Finance is a credit broker not a lender using a representative panel of lenders. We work with a Panel of Lenders whose particulars will be supplied upon request to find a potentially suitable arrangement for your consideration.
For credit broking, we do not provide or offer advice or recommendation. Whichever lender we introduce you to we will receive commission from. Different lenders pay different amounts based on different commission models and interest amounts. For transparency we work with the following commission models: percentage of the amount you borrow, rate for risk (this is based on the risk profile of the proposal).
Willows Finance Limited is authorised and regulated by the Financial Conduct Authority. Our Financial Conduct Authority FCA register number is 670052. We are registered under the Data Protection Act No. Z1447660 and are a member of the Association of Finance Brokers.
Willows Finance Limited registered address is Brocastle, Bridgend CF35 5AS. Company registered in England.
Registration number 6678545. Copyright © 2025 Willows Finance Ltd
Legal
At Willows Finance we ensure your personal information is kept secure and confidential.
PRIVACY OF YOUR INFORMATION
At Willows Finance Ltd, we appreciate that your privacy is extremely important to you. With this in mind, we have put in place a number of measures to ensure that any personal details we obtain from you as a result of visiting this website is processed and maintained in accordance with accepted principles of good information handling and also in accordance with the Data Protection Act 1988.
This statement provides you with details of the type of information we may hold about you, how we obtain and use information and how we protect your privacy.
Willows Finance Limited
Brocastle, Bridgend, CF35 5AS
Authorised and regulated by the Financial Conduct Authority
Firm Reference Number: 670052
Company Number: 6678545 (Registered in England and Wales)
This document outlines the services we provide. If you need clarification, please contact us at 01656 766158.
We offer first and second charge regulated mortgage contracts for business or personal use.
Other finance options may include:
Regulatory Status:
We offer an advised mortgage broking service and provide enough information for you to make an informed decision.
We are not independent financial advisers. Free debt advice is available from the Money Advice Service.
You can view our privacy policy at: https://willowsfinance.co.uk/privacy-cookie-policy/.
Lenders may also have their own privacy policies which will be provided to you.
We charge a broker fee upon loan completion. The average fee is approximately 5%, depending on your situation.
Fee details:
No refund is offered after completion. You may pay upfront or add the fee to your mortgage. Fees and commission will be detailed in your ESIS and Mortgage Agreement.
You will receive a Mortgage Agreement and an ESIS document detailing:
You may cancel your application anytime before completion without any charge. Mortgages cannot be cancelled after completion.
Missing payments can lead to charges, repossession, and negative impacts on your credit rating.
Consolidating debt may result in higher long-term interest. Securing debt against your home increases risk.
Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it.
If you wish to complain, contact us at:
Willows Finance Limited
Brocastle, Bridgend, CF35 5AS
Tel: 01656 766158
You may be able to refer your complaint to the Financial Ombudsman Service.
We are covered by the FSCS. You may be eligible for compensation of up to £85,000 per person per firm for mortgage advice and arranging.
More info: www.fscs.org.uk
After processing your application, you’ll receive a Mortgage Agreement and have a 7-day reflection period.
Contact us during this period with any questions. To proceed, sign and return the agreement.
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