- Get a free drive-by home valuation.
- 7.78% capped interest rate
- No broker fees
- No lender fees
- Simple online application
- A decision in principle with an invisible soft credit search
- There are no valuation penalties for flats or other leasehold homes.
- No early repayment charges
- 20-year terms, and younger people can be offered 30-year terms
- No upper age limit
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Secured loans with a quick online decision
A secured loan can give a homeowner a larger borrowing option without replacing the existing mortgage. It can suit people who want one clear monthly payment, a capped rate, and a simple decision in principle before they spend time gathering paperwork.
In July 2026, the Bank of England Bank Rate is 3.75%. Some homeowner lending can be priced around two percentage points above Bank Rate, so a rate near 5.75% may be possible where the property, income, credit profile, and loan-to-value fit the lender’s criteria.
Jubilee 2000’s online form is designed for a soft first look. A decision in principle can help you see whether the figures are worth exploring, and the free valuation route keeps the early stage straightforward.
For a plain explanation of how the loan is arranged, see how homeowner loans work, especially if you want to understand the difference between a second charge loan and replacing your whole mortgage.
What makes the application easier
The first stage is usually about the property value, the mortgage balance, the amount you want, and whether the monthly payment looks sensible. The soft-search decision is useful because it lets you check the likely direction before a full application.
If speed matters, the guide to how long a secured loan takes explains the usual stages, from the first decision to valuation, documents, lender checks, and completion.
A homeowner with clean credit may want the lowest available rate. Someone with past credit problems may still prefer a route that looks at equity and income, rather than only the credit score.
For that type of case, secured loans for bad credit may be useful, as the page addresses arrears, missed payments, CCJs, and other credit events in a homeowner loan context.
No broker fee, no lender fee, and no early repayment charge
The appeal of this type of loan is not just the rate. No broker fees, no lender fees, and no early repayment charges can make the overall cost easier to follow from the start.
Some people use a secured loan for improvements, a car, school fees, business cash flow, or a family need. Others use it for debt consolidation, where the aim is to bring several balances into one regular monthly payment.
If you are comparing secured borrowing with other options, the page on the interest rate on debt consolidation loans gives more context on pricing, lender margins, and why secured borrowing can be cheaper than many card or personal loan balances.
Broker-only secured loan sample rates, updated July 2026
| Lender | Rate of interest | Loan to value |
|---|---|---|
| United Trust Bank lender 1 | 6.17% | 75% |
| Tandem Home Loans lender 2 | 6.48% | 80% |
| Spring Finance lender 3 | 7.18% | 85% |
| Together lender 4 | 7.31% | 90% |
| Paragon Bank lender 5 | 7.44% | 95% |
These rates are sample figures for comparison. The actual offer depends on the property, the available equity, income, credit conduct, loan size, and the term selected.
Debt consolidation using a secured homeowner loan
A debt consolidation loan can be useful when credit cards, store cards, car finance, and unsecured loans have become untidy. The purpose is often practical: one payment date, one lender, and a clearer monthly figure.
The main guide to debt consolidation loans in the UK provides the broader picture, including how a secured loan can be used when the homeowner has sufficient equity.
For smaller balances, the page on a £10,000 debt consolidation loan may be enough to compare monthly payment ideas, while a £25,000 loan with no broker fee can be closer to the size used for several cards and a personal loan.
Larger balances need a more careful look at the term and payment. If the total is nearer that level, a £50,000 debt consolidation loan page may be useful before you complete the form.
Credit card balances are common in this type of application. The guide on a loan to pay off credit card debt looks at how homeowners may replace several card payments with one secured loan payment.
If you want the benefits set out in a more practical way, simpler repayments with one loan explain why some borrowers prefer a single monthly payment instead of several separate commitments.
For people who want to plan the monthly figure first, the debt consolidation loan calculator can help turn a loan amount and term into a clearer repayment estimate.
Bad credit, soft searches, and no guarantor lending
Previous credit problems do not always stop a homeowner from being considered. The lender still wants a sensible loan-to-value, a clear property value, and income that supports the new payment.
If the credit file is not perfect, how to get a debt consolidation loan with bad credit explains how applicants can present the case more clearly before the lender makes a full assessment.
Some people want to avoid involving family or friends. The page on a homeowner loan with no guarantor is written for that situation, where the property and affordability are reviewed instead.
There are also cases where a borrower wants to contact the lender without extra layers. The secured loan bad credit direct lender page explains how direct-lender-style borrowing can work for homeowners with prior credit issues.
For a faster first response, the page on secured loans for bad credit with an instant decision explains how an online decision in principle can help you decide whether to continue.
If you want a broader set of answers, the debt consolidation frequently asked questions page covers common questions on eligibility, use of funds, credit checks, and consolidation amounts.
Light adverse homeowner sample rates, updated July 2026
| Lender | Rate of interest | Loan to value |
|---|---|---|
| Together lender A | 6.38% | 70% |
| Spring Finance lender B | 6.57% | 75% |
| Tandem Home Loans lender C | 7.13% | 80% |
| United Trust Bank lender D | 7.39% | 85% |
| Pepper Money lender E | 7.73% | 90% |
| Evolution Money lender F | 7.84% | 95% |
Self-employed, landlord, and remortgage alternatives
Self-employed borrowers often need a lender that properly reviews income evidence. Accounts, tax calculations, bank statements, contracts, and retained profits can all help build the picture.
Landlords may also have options. A buy to let second charge loan can release funds from a rental property without disturbing the existing buy-to-let mortgage.
Some homeowners compare a secured loan with a remortgage. If the main mortgage has a good rate or an early repayment charge, remortgage versus debt consolidation loan can help you compare the two routes.
Applicants who want to clear balances sooner may also find the guide on how to pay off debts with a consolidation loan useful, especially when deciding whether a shorter or longer term feels right.
Where the credit history needs more explanation, debt consolidation loans for bad credit gives another route into the subject, without assuming that every borrower needs the same lender or term.
What happens after the form
After the decision-in-principle form is completed, the next step is usually a closer look at the property, mortgage balance, income, and loan purpose. The aim is to match the borrowing to a lender that is comfortable with the case.
Documents are usually straightforward: proof of income, mortgage details, identification, bank statements, and information on the balances you want to repay if the loan is for consolidation.
The property valuation can often be handled without a paid valuation upfront. That helps keep the early application clean, quick, and low-friction.
Can I get a secured loan decision online?
Yes. You can usually start with an online decision in principle, based on the property details, loan amount, income, and a soft credit search.
Can a secured loan be used for debt consolidation?
Yes. Many homeowners use secured borrowing to combine credit cards, personal loans, store cards, car finance, and other balances into one monthly repayment.
Is a free valuation available?
Yes. A free drive-by or automated valuation may be available at the first stage, depending on the property and lender route.
