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Secured and Unsecured loans from Essential Loans


UK Personal Loans & Secured Loans

Click here for our FREE loans service

On this page we will explain the differences between a Personal Loan and a Secured Loan



What is a Personal Loan?

A Personal Loan is a smaller amount of money which can be used to cover expenses like a new car purchase, holiday or improvements to your UK home. You may prefer to choose a personal loan to consolidate existing debts. See debt consolidation. Check out our no obligation FREE loans service.

  • the amount you can borrow will be based on your personal credit rating
  • the Personal Loan cannot exceed £25,000
  • the maximum time for re-paying the loan is 10 years


What is a Secured Loan?

Also referred to as a Homeowner Loan, a Secured Loan is where you are required to use your UK property or other valuable asset as security against a loan. This enables the lender to reduce the risk of lending to you. The amount you can borrow on a Secured Loan will differ from lender to lender and will also depend upon your individual circumstances.

  • you may borrow more than £25,000 (maximum amount varies between providers)
  • the maximum time for repaying the loan is up to 25 years
  • in general, the more you borrow, the lower the interest rate
  • with your home as security you may be eligible for a loan even if you have had past credit problems
  • it is important to remember that your home is at risk if you default on your loan repayments

The criteria used to determine the amount available to be borrowed, the length of the loan (the term) and the Annual Percentage Rate (APR) will depend upon:

  • the equity in your property
  • your ability to make repayments on the loan

It is important to consider your circumstances very carefully before taking a Secured Loan / Homeowner Loan or mortgage. You risk losing your home if you fail to pay (default). Click here for our FREE loans service.


Why should I choose a Secured Loan?

In general, a Secured Loan will allow you to borrow more and repay the loan over a longer period – up to 25 years. It can be used for almost any purpose and, as the lender has the benefit of security a Secured Loan can be offered to people who may be excluded from other loans. The self-employed, those who have recently changed jobs or those who have previous credit problems can be considered for a Secured Loan.


How do I find the best Secured Loan?

It can be complicated and time consuming searching through the 1000s of UK Secured Loans providers to find the best value loan to suit you. With so many providers offering Secured Loans in the UK it could take a very long time to compare them all yourself. Click here for our FREE loans service.

 

 


Featured property listings in United Kingdom :

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£455   1 bedroom Apartment for rent in Birmingham, West Midlands
Good size 1 bedroom flat with off road parking and communal gardens. Very close to main bus routes, ...
£1,950 property for rent in Islington, London
A huge three double, 1 single bedroom maisonnette with front and rear garden. Laminate flooring throughout. Open plan lounge with fully fitted kitchen diner. Fully tiled bathroom with an attached shower and Wc. Only 5 minutes away from Caledonian Road tube Station.
£227,000   4 bedroom House / Home for sale in Bristol, Bristol (Greater)
LOCATED NEAR THE FRINGE OF A POPULAR VILLAGE COMMUNITY, A SURPRISINGLY SPACIOUS FOUR BEDROOMED HOME, WHICH HAS BEEN THE SUBJECT OF MUCH IMPROVEMENT AND WHICH INCORPORATES A SIGNIFICANT RANGE OF OUTBUILDINGS. IT ENJOYS PLEASANT VIEWS EXTENDING INTO NEIGHBOURING GLOUCESTERSHIRE. Accommodation The residence briefly provides: P
£229,950   4 bedroom House / Home for sale in Bristol, Bristol (Greater)
Recently built 4 bedroom semi-detached home with garage and gardens. The property is in excellent condition and benefits from en-suite to master bedroom, lounge and kitchen/diner. Conveniently located close to the marina and schools. Accommodation *ENTRANCE HALL *DOWNSTAIRS W/C *LOUNGE *KITCHEN/DINER *LANDING *FOUR BEDROOMS
image currently unavailable £550   2 bedroom Apartment for rent in Bristol, Bristol (Greater)
Very large 2 double bedroom, 2 reception maisonette on two floors. Close to rail and bus routes. Easy access to M4. Garden and parking. Refurbishment complete as of 1st March. Description Very large 2 double bedroom, 2 reception maisonette on two floors. Garden and parking. Close to rail and bus routes Long term tenancy by
£575   2 bedroom House / Home for rent in Bristol, Bristol (Greater)
Exceptional newly constructed modern two bed terrace house providing luxurious contemporary accommodation with parking and occupying a superb central position with level access to the town centre. Accommodation Entrance * Entrance hallway * Cloakroom * Lounge with access to rear * Fitted kitchen with appliances * First Floo
image currently unavailable £625   1 bedroom Apartment for rent in Bristol, Bristol (Greater)
HARBOUR ROAD - A DELIGHTFUL ONE BEDROOM 4TH FLOOR APARTMENT AVAILABLE FOR RENT ON A FURNISHED BASIS INCLUDING WHITE GOODS,PROPERTY BOASTS OPEN PLAN LIVING AREA WITH ACCESS TO SOUTH FACING BALCONY, UTILITY ROOM, DOUBLE BEDROOM AND ALLOCATED PARKING SPACE. AVAILABLE EARLY AUGUST. Accommodation ACCOMMODATION COMPRISING - ENTRN
£465   1 bedroom House / Home for rent in Hove, Hove
Bright studio flat with large west facing windows in great central Hove location very close to the seafront. The flat has fitted mirrored wardrobes and cupboard space. Separate kitchen with electric cooker. Shower room with electric shower. Electric heating. Available unfurnished. To request further details please use the C
image currently unavailable £595   3 bedroom House / Home for rent in Bristol, Bristol (Greater)
THREE BEDROOM SEMI ON WEST SIDE WITH GARAGE & PARKING *AVAILABLE NOW* Accommodation * SEMI DETACHED HOUSE * ENTRANCE PORCH * ENTRANCE HALL * LOUNGE * DINING ROOM * CONSERVATORY * CLOAKROOM * TWO DOUBLE BEDROOMS & ONE SINGLE BEDROOM * BATHROOM WITH SHOWER OVER BATH * ELECTRIC HEATING * DOUBLE GLAZING * GARDENS FRONT & REAR *
£650   2 bedroom House / Home for rent in Bristol, Bristol (Greater)
A TWO DOUBLE BEDROOMED MID TERRACED PROPERTY SITUATED IN DEWFALLS DRIVE, NORTH BRADLEY STOKE OFFERED FURNISHED WITH WHITE GOODS INCLUDED, BENEFITS FROM DOUBLE GLAZING, GAS CENTRAL HEATING AND OFF STREET PARKING. AVAILABLE LATE JULY Accommodation * NO SMOKING * NO PETS * MANAGED BY WOODS Description A TWO DOUBLE BEDROOMED MI
image currently unavailable £950   3 bedroom House / Home for rent in Bristol, Bristol (Greater)
AVAILABLE END JULY 2009. UNFURNISHED. A 1970'S BUILT THREE BEDROOM DETACHED BUNGALOW WITH A LARGE GARDEN, SITUATED IN WHITCHURCH VILLAGE Accommodation * ENTRANCE HALLWAY * 'L' SHAPED LIVING ROOM WITH DINING AREA * KITCHEN WITH BREAKFAST AREA * CLOAKROOM * THREE BEDROOMS * BATHROOM * GAS CENTRAL HEATING * DOUBLE GLAZING * GO
£775   3 bedroom House / Home for rent in Bristol, Bristol (Greater)
BLENHEIM WAY-WE ARE PLEASED TO OFFER FOR LET THIS 3 BEDROOM DETACHED PROPERTY ON AN UNFURNISHED BASIS. PROPERTY IS CONVENIENTLY SITUATED ON THE BRAMPTON ESTATE WITHIN WALKING DISTANCE OF THE HIGH STREET FURTHER BOASTING DOWNSTAIRS CLOAKROOM, GARDEN, GARAGE & ADDITIONAL PARKING. AVAILABLE MID JUNE Accommodation ACCOMMODATION
£760   1 bedroom Apartment for rent in Hounslow, Hounslow
1 Bedroom, 1 Reception, 1 Bathroom A well presented one bedroom first floor flat situated close to Hounslow Heath. FURNISHED PARKING ENTRY PHONE SYSTEM AVAILABLE NOW Further Information HALLWAY Wooden flooring, storage heater storage cupboard. RECEPTION Wooden flooring, storage heater, sofa, coffee table, second glazed wind
£525   2 bedroom Apartment for rent in Bristol, Bristol (Greater)
MODERN STYLE - TWO BEDROOM FIRST FLOOR FLAT - UNFURNISHED - AVALIABLE NOW Accommodation *FIRST MONTHS RENT HALF PRICE*Modern Style*Two Bedroom First Floor Flat*Lounge*Kitchen with Built-in Oven, Hob & Extractor Fan*Bathroom*Allocated Parking*Pleasant Views towards The Front Of The Property*
£500 Apartment for rent in Bristol, Bristol (Greater)
A second floor one bedroom apartment. Comprises: open plan lounge/kitchen - modern kitchen with built in oven and hob, integral washer/dryer, double bedroom, shower room, electric heating, parking. Accommodation A second floor one bedroom apartment. Comprises: open plan lounge/kitchen - modern kitchen with built in oven and
image currently unavailable £450   3 bedroom House / Home for rent in Bristol, Bristol (Greater)
HOUSE to LET This 3 bedroomed house has been completley renovated and redecorated it is on a main road situation in Ystrad Rhondda a short walk from Ystard railway station and within 1 mile of Llwynypia hospital. Accommodation 3 BEDROOMS FULL PVCu DOUBLE GLAZING GAS CENTRAL HEATING NEW KITCHEN NEW BATHROOM NEW CARPET Descri
£875 Apartment for rent in Surbiton, Surrey
A 2nd floor purpose built flat with easy access to Surbiton town centre and the A3. The property comprises two double bedrooms, lounge/dining room, fitted kitchen, bathroom with shower, communal gardens and off street parking. (F)(P1152)
£600 House / Home for rent in Bristol, Bristol (Greater)
A modern two bedroom terrace house with enclosed garden Accommodation Two bedrooms
£495   2 bedroom Apartment for rent in Bayswater, London
New instruction * 2 bathroom(s) * 1 reception(s)
Price on Application   4 bedroom House / Home for sale in Pitlochry, Perth & Kinross
Moulin Muir Moulin Muir is an exclusive small scale development of only five luxury detached homes which will be built to the highest specification by award winning developers West Residential. Located within the delightful conservation village of Moulin the development is situated in an attractive open countryside setting
Page  1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 Next pageNext page groupLast page Sort by Price:  Ascending   Descending
 
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