Secured Loans With Bad Credit & High Approval Rates

Quotes Do Not Affect Credit Score. All Types Of Income Considered

Secured Loans For Adverse Credit. Quick Approval Affordable Terms

Attention Homeowners: Fast Decision On Your Secured Loans 86% Approval!

Homeowner loans suited to you with flexible payments. Money Marvel are here to help you finding a secured loan that works for you.

Our Lender Panel Includes:

Bad Credit Shouldn’t Mean Bad Service...

One of the cheapest and most flexible ways of borrowing money is to secure the loan against your home.

If you need to borrow more money than is typically offered by unsecured lenders, a second mortgage or secured loan is the most cost-effective option.

We have lenders that offer rates very close to those provided by the big banks.

Our expert team will find you the best secured loan quote from major UK lenders...
- with Good or Poor credit...

All Situations Considered

Loans For Good And Bad Credit. Including Those With CCJ's, Defaults and Missed Payments.

Unrivaled Options & Rates

More Choice Than High Street Banks.
Money Marvel Offer Some Of The Lowest Rates In The UK.

We Are Experienced

Rest Assured That Money Marvel Have Over 10 Years Experience In The UK Financial Services Sector.


Take Action! Get In Touch With Our Experts and Start Working With Money Marvel!

Over 10 Years industry experience. Confidential & Impartial advice. Secured loans for people with bad credit

Some Positive Aspects Of Bad Credit Secured Loans FAQ

Lengthy Repayment Time Frames 

So this type of loan can have a duration of ten years or more

This allows you ample time to repay the debt owed. However, please remember that the more time you take to pay back the loan, the more interest you will have to cover in the long term.

Rates Can Be Comparatively Low

The interest rates for second charge loans can be quite low. At the moment, there are competitive deals available at around 5.8%. These are definitely a much better option than either payday or guarantor loans.

Can I Apply For A Homeowner Loan If I Have A Poor Credit History?

You certainly can. In fact this type of loan loan is often simpler to arrange than unsecured finance. Because it's secured on your home, lending institutions feel more secure meaning they are often more likely to lend you the money.

In addition to this, if you're consistent with the monthly repayments, it can really help improve your credit rating over time.

Compare Loans From The UK's Best Lenders. From 3.7% APRC. Free Quote. Compare Now

Are Secured Loans Worth Considering?

Second charge finance is available to individuals who have been turned down for an unsecured loan. They are a great way of improving your credit score. Banks approve of them as there is less uncertainty for them to take on.

What Is A Secured Loan Supported By?

As mentioned above a secured loan is a type of finance where the person guarantees something they own of significant value such as a vehicle or their home. This forms the collateral of the loan, which then becomes a secured debt repayable to the creditor who issued the finance.

How Much Can A Person Borrow And Over What Time Frame?

Money Marvel secured loans range from £10,000 to £500,000 over 3 to 27 years.

The amount of money that you’re offered depends on an individuals circumstances and their credit history.

Why Choose A Secured Loan Over A Personal Loan?

If you have favorable credit, a secured loan is usually cheaper in comparison to a personal loan.

Even if your credit has blemishes, you have a greater chance of being accepted for a homeowner loan because lenders have your home as security.

Most of the time you can access larger sums of money in comparison to personal loans.

When you borrow larger amounts of money you have longer periods of time in which to pay it back.

What Could Happen If I Miss A Repayment On A Secured Loan?

In the absolute worst case situation you could lose your home. However, most lenders are reasonable people and would rather work with you rather than against you. It is possible to re-negotiate and it is our experience that they are often more than happy to give people another chance at paying back what is owed under revised terms.

If you're concerned you could miss an upcoming payment, it's worth speaking to your lender promptly to discuss the best plan of action.

Soft Quotation - Will Not Affect Your Credit Score

Our application processing for a second charge finance is carefully structured so that every question and each point along the way is simple to navigate. The information you give us enables our team to find the right lenders and rates tailored to you.

The main factor to consider when applying for a homeowner loan quotation is that there are a few relevant questions that the 1st UK team will require in order to understand your needs and circumstances. This is initially done through our simple to use website form.

Affordability and the amount of security offered to the lender are probably the two most important factors. We want to be certain that you can afford to make the monthly payments and that the loan isn't going to pressure you financially, 

After all, the main purpose of second charge mortgage finance is to help improve your financial circumstances.

A small number of questions concerning your existing finances, such as income, value of your home and current outgoings will assist us in making the correct decision on the type of secured loan required and whether it's suitable for you. If your home is jointly owned, a joint application will need to be made, so two sets of details will be the requirement.

Example Adverse Secured Loan Deals In 2018


Maximum LTV:


Loan Amount:

10k - 500k

Overall Cost:

5.8% APRC

Loan Term:

3-35 Years

Paragon Light Adverse

Maximum LTV:


Loan Amount:


Overall Cost:

6.5% APRC

Loan Term:

5-25 Years

Shawbrook Bank Variable

Maximum LTV:


Loan Amount:


Overall Cost:

5.9% APRC

Loan Term:

3-25 Years

​United Trust Bank

Maximum LTV:


Loan Amount:

10k - 125k

Overall Cost:

5.6% APRC

Loan Term:

3-30 Years

P​restige Finance

Maximum LTV:


Loan Amount:


Overall Cost:

​5.9% APRC

Loan Term:

5-25 Years

​​Vida Homeloans

Maximum LTV:


Loan Amount:


Overall Cost:

​6.4% APRC

Loan Term:

3-35 Years

Get Your homeowner loan for poor credit Almost Immediately!

Our quotation engine lets us calculate your loan repayments and offer a quote within 10 minutes. We compare 100's of products and check you're eligibility without affecting your credit score. Homeowners Only.

Benefits Of The Money Marvel Secured Loans Service:

  • Enables you to release equity while keeping your existing mortgage lender
  • Likely cheaper than re-mortgage
  • Loan to value ratios often more favorable
  • Secured finance usually completes quickly
  • Flexible proofs of income
  • In many cases, your credit score is relatively unimportant

Compare Loans From The UK's Best Lenders. From 3.7% APRC. Free Quote. Compare Now

Acceptable Purposes Of Loan:

  • Debt Consolidation
  • Home Improvements
  • Purchase of car, motor home or commercial vehicle
  • Private medical costs
  • Buying an additional property/investment property
  • Weddings
  • School Fees

Money Marvel Lending Panel Includes:

  • Clearly Loans
  • Equifinance
  • Spring Finance
  • Together
  • 1st Stop Home Loans
  • Evolution Money
  • Paragon
  • Norton Finance
  • Masthaven
  • United Trust Bank
  • Prestige Finance
  • Shawbrook
  • Central Trust

Compare Loans From The UK's Best Lenders. From 3.7% APRC. Free Quote. Compare Now

Recent Customer Reviews:

Average rating:  
 2 reviews
 by P Bryers
Adverse wasn't an issue

My credit was far from being prime but the Evolve team gave me a helpful and friendly service from the enquiry stage to completion. I have no hesitation in recommending them.

 by Kelly
Now I have tidy life

Because of DCL now i make just one payment each month



About Us:

Money Marvel have formed strong relationships with finance/consolidation providers, so we are oftentimes the first to discover new products before they become mainstream.

Social Links & Reviews:

Get In Touch:

  • Call us 0238 106 0843
  • enquiry@debtconsolidationloans.uk.com


This website is provided as an independent marketing website. We are neither a lender or an independent financial adviser and as such are unable to offer financial advice. Enquiries generated via this site are passed on to independent financial advisers and loans brokers. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

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