Secured Loans

Borrow at competitive rates without affecting your mortgage deal.

Secured loans also known as second-charge loans or home-owner loans are only available to home owners.

In these days of so called ‘Mortgage Prisoners’, where mortgagors are locked into existing lenders and existing fixed, discounted and interest only products, but face extreme difficulty in obtaining finance from the same existing lender, a second mortgage is a clear option where there is sufficient equity in the property and the customer will find the new loan affordable and understands that their property is at risk in the same way as is the case with their first mortgage.

We can refer you to a third party provider for secured loan services. We only work with secured loan providers who meet our strict requirements, and specialise in secured loans.

People use secured loans for a variety of reasons:

Home improvements
Debt consolidation
Car Purchase
Purchase of second property
One-off large expenditure, e.g. weddings and special holidays

These loans are secured on your home

This means that a legal charge will be put on your home, in a similar way that your mortgage company has a charge on your home. A ‘charge on your home’ means that if the worst comes to the worst and you can’t pay your mortgage or homeowner loan, a bank can repossess your home.

‘YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.’

WE WILL CHARGE A BROKER FEE OF BETWEEN £250 AND £495, PAYABLE ON APPLICATION. THE AMOUNT WE WILL CHARGE IS DEPENDENT ON THE AMOUNT OF RESEARCH AND ADMINISTRATION THAT IS REQUIRED.

You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products by email. By submitting this information you have given your agreement to receive contact from us to discuss your requirements”.

Hasnat Sheraz trading as H S Financial Solution is an appointed representative of PRIMIS Mortgage Network (PRIMIS), a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority. PRIMIS is only responsible for the service and quality of advice provided to you in relation to mortgages, protection insurance and general insurance products. Any other product or service offered by H S Financial Solution may not be the responsibility of PRIMIS and may also not be subject to regulation by the Financial Conduct Authority.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

The Financial Conduct Authority does not regulate some forms of Overseas Mortgages, Will Writing, Commercial Finance, Conveyancing and Bridging Finance.

Commercial mortgages, Bridging finance, Secured loans, Convayancing, Funeral plans, Commercial insurance, Specialist insurance services, Wills, and Asset finance are referred to third parties. Hasnat Sheraz T/A HS Financial Solutions and PRIMIS are not responsible for any advice received from the 3rd party.