If you get a secured loan from Jubilee, the interest rate is fixed at 7% to 9%.
Here is the simple debt consolidation loan calculator:
For every £1000 you borrow, the interest on the loan is approximately £6.70 a month.
Example:
If you borrow £21,000, the interest you pay the lender is approximately £140 a month.
The additional money you pay each month to reduce the principal on the £21,000 loan varies with the loan term.
If you have substantial credit card debts, you can save a lot of money each month and service your debt in a sensible and sustainable way, with the convenience of one monthly payment instead of different payments at different times of the month.
Please complete the form below to get a decision in principle for a secured loan.
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Features of the Jubilee homeowner loan
- Free home valuation
- A decision in principle with an unrecorded soft credit search
- Fixed and capped rates
- No early repayment charges
- Up to 90% loan-to-value
- 3 to 25-year loan term
- Fast completions in as little as 10 working days
- Homeowners with a mortgage only
Explore Homeowner Credit Card Debt Consolidation Loans for 2026
Start the new year by taking control of your financial situation with our Homeowner Credit Card Debt Consolidation Loans. These loans are specifically tailored to help you consolidate all your existing credit card debts into a single manageable loan with a fixed rate, ensuring stability in your repayments. Enjoy no lender fees and choose between a capped or variable rate to best suit your financial needs.
Bad Credit Secured Loans Online at Just 7.45% with the debt consolidation loan calculator
If your credit history is less than perfect, our Bad Credit Secured Loans Online offer a lifeline with an attractive 7.45% rate. These loans come with flexible terms, including options for fixed, capped, and variable rates to ensure that you can find a payment plan that fits your budget without the worry of escalating costs.
Poor Credit Homeowner Loans – Instant Decision at 7.45%
Need a quick resolution to your financial needs? Our Poor Credit Homeowner Loans provide an instant decision, streamlining the application process so you can get access to the funds you need without delay. Benefit from a high loan-to-value ratio and take advantage of services like free home valuation. These loans are ideal for those needing a 2nd mortgage or remortgage solutions, offering low risk and flexibility.
Securing the Best Interest Rates from Direct Lenders at 7.45%
Access some of the most competitive interest rates in the market, starting at just 7.45%. We partner with trusted direct lenders including Barclays Bank, Lloyds Bank, HSBC Bank, Nationwide Bank, NatWest Bank, and Royal Bank of Scotland. Financial guru Martin Lewis recommends securing loans directly with lenders to ensure you get the best rates without intermediaries.
Current Interest Rates Table
| Loan Type | Interest Rate |
|---|---|
| Debt Consolidation Loan | 7.10% |
| Bad Credit Secured Loan | 7.45% |
| Poor Credit Homeowner Loan | 7.25% |
| Direct Lender Best Rate | 7.30% |
Why Choose Our Financial Services?
Opting for our financial services means choosing a partner committed to providing transparency, comprehensive support, and competitive financial solutions. Whether you are consolidating debts, seeking a low-risk second mortgage, or just need a financial reset, we’re here to help you every step of the way.
Use our debt calculator to discover if you could decrease your monthly payments by 80%
Struggling With Your Unsecured Debts, See If There Is A Solution Available For You.
A debt management calculator is used to determine how long it will take to repay debt.
Consumers begin to understand the seriousness of their financial issues when they view their debt in aggregate and learn how long it will take to repay it. Some consumers realise that debt repayment can be accomplished quickly, while others discover that help may be required.
Many UK consumers in debt are turning to a debt management loan to manage their situation. They use a debt management loan calculator to determine the loan amount and monthly repayment, helping them model an affordable loan for debt repayment.
Once loan funds are used to repay existing debts, this loan represents the only debt, and affordable monthly instalments are used to repay it. With a loan calculator, consumers can see how interest rates affect their debt management financing.
They can make interest rate adjustments to view the impact on their monthly loan repayment amount. This allows them to identify which available loans they can afford. A consumer can limit the total repayment amount by choosing a loan with the lowest interest rate. It is always important to save money, but this is even more critical when a person is in debt.
A debt calculator is a tool that helps you make better financial decisions when paying off debt. It is usually straightforward to use and can be a useful tool to use before you choose to take out another loan, especially if you have a large number of debts.
Debt calculators are useful in helping you work out how much money you need to borrow before paying off debts
The calculations can also work out the interest you will have to pay on that loan, along with any additional costs that may be involved. You can work out how much you have to pay back on your loans and then calculate how much you have left to pay.
There are many kinds of debt calculators available today, each with different features. However, the most popular calculator calculates how long it will take you to pay back a loan by calculating how long you spent paying for it. This calculator lets you calculate how much you need to borrow to pay off the loan, then shows you how long it will take.
Many other types of calculators work by examining your monthly income and deducting any expenses you can’t afford to pay. You are then given a figure of how much money you have leftover. Based on this figure, you can then work out how long it will take you to repay the loan, depending on how much money you have leftover.
If you have a loan, some debt calculators can show you how long you need to pay the loan before you can claim that you have paid enough back on the loan to have paid it off. These are very useful, as they can give you an idea of how long it will take to pay off the loan in full.
In addition to helping you work out how long it will take for you to get rid of your debt, the debt calculator also tells you how much interest you will have to pay on your loans each month. You can calculate the interest you will have to pay to determine the total cost. Most debt calculators work out the amount of interest you will have to pay using the current interest rates, and then calculate the difference between the interest rates and the current rates.
Other types of debt calculators can give you an estimated time to pay off your debts
Enter your monthly payment, and the calculator will show how long it takes to pay off your debts.
Debt calculators can make managing debt much simpler. They are useful for anyone with several debts, including mortgage payments, car payments, and student loans.
When it comes to getting a loan, some people will pay more interest than others, depending on their credit rating and ability to repay. It is essential to know how much interest you will pay when you get a loan, and that is why you are getting a loan.
The different types of calculators will provide you with information on the amount of interest you are likely to have to pay each month, how long it will take you to pay the loan off, and the amount of money you will end up paying each month to keep your debt running. Most of the time, it is easier to find out these things with one type of calculator than it is to find out all by yourself.
Debt calculators are a great help for anyone who is facing debt. By using the information on the calculator, you will know exactly what you need to do to get out of debt.
A debt calculator is a great way to see the options and benefits of different loans and financial plans. Using a debt calculator will help you understand the pros and cons of various lending policies and find a plan that is right for you.
Jubilee Loan Services Customer Reviews
Secured Loan for Debt Consolidation
Molly Morley from Wakefield: “I took out a secured loan for debt consolidation from Jubilee, and it has completely transformed my financial landscape. By consolidating multiple debts into a single loan at a lower interest rate, I’ve found financial breathing room and reduced stress. The transparency and support from Jubilee were top-notch. You can find similar positive feedback on Trustpilot.”
Homeowner Loan to Pay Off Debts and the Debt Consolidation Calculator
Ivy O’Connor from Birmingham: “Jubilee’s low-rate homeowner loan was a lifeline for me. It allowed me to effectively clear high-interest credit cards and a personal loan. The application process was straightforward, and the terms were highly favourable, aligning perfectly with my needs. Many reviews on Google Reviews underscore their reliability and commitment to customer satisfaction.”
Poor Credit Secured Loan Experience
Thomas Birch from Manchester: “Obtaining a poor credit secured loan from Jubilee was a critical step towards rectifying my financial situation. Despite my credit history, I received a tailored solution that helped manage my debts efficiently. The prompt service and understanding I experienced were reflective of the positive testimonials on reviews.io.”
Consolidation with a Bad Credit Secured Loan
Ella Randall from St Albans: “As someone struggling with high-interest debts from credit cards and car finance, securing a bad credit loan from Jubilee was a game-changer. The consolidation has significantly eased my monthly financial obligations. Their approach and the resulting peace of mind have been echoed by many on Trustpilot.”
Medical Debt Relief through Secured Loan – the key was to consolidate debt
Sophia Sanderson from Dundee: “Facing overwhelming medical bills, I turned to Jubilee for a bad-credit secured loan. The financial assistance provided was not only timely but also came with manageable repayment terms, allowing me to focus on my health rather than financial strain. This level of care is well-documented by others on Google Reviews.”
