For homeowners, these loans are secured on your home as a second mortgage. But because of the greater security for the lender, larger sums can be borrowed and over a longer period. Features typically include:

• Up to 75% Loan-To-Value (LTV) where there are a small number of defaults or arrears
• Maximum 85% LTV where there are no defaults or CCJs
• Loans can typically be taken for a term of up to 25 years
• In a some cases there are no upfront costs to pay
• Secured Loans from £5,000 up to £250,000 or more
• Payment Protection Insurance is optional