Secured Homeowner Loans
LOW APR for good or bad credit, borrow upto 100k, apply now for a decision within 45 mins on home loans and mortgages. Not everyone who applies for a homeowner loan with us will be accepted, but we try are upmost to help all applicants. There are however a few requirements, we need to secure your loan on a property, and you must have the ability to repay the loan within the given time frame. You must be employed, (or have some form of fixed income) be over the age of 18 and from the UK (excluding Ireland). Each case is evaluated on its own merit, and we are able to accept applicants from all different credit backgrounds. The personalised APR we charge, and our ability to make virtually instant decisions, are just 2 reasons many people choose us when looking for homeowner loans to finance their car, wedding, boat, new conservatory, holiday, kitchen etc.
Secured Loans - Interest Rates
Many people still think that lenders offer ‘fixed’ interest rates across the board, and this was true many years ago. So applicants would search for the best rates on the high street and in the local papers before applying for what they thought was the best deal – however these days’ its very different. Rates are now offered on a sliding scale that suits the risk profile of the applicant/borrower, if you have dire credit history and low equity, your interest will be more to suit, but if you have clean credit and maybe 50% equity in your property, you will be offered a much cheaper secured loan with less interest to pay, as you are a reduced risk in the eyes of any lender. See our “calculator info” for more information and examples ->
Debt consolidation loans
BEST APR for home owners, all credit history considered; decision within 45 minutes, and instant online quotations. These are just some of the services we offer. Unsecured lending can be very high in interest, and in recession its easy for people to fall behind on their commitments. Sourcing debt consolidation loans using a property as collateral will in many cases reduce your monthly payments considerably. We are proud to say we have helped many people over the years like Miss Shelby from York reduced her outgoings by £823 p/m, and Mr Appleton from Bexhill reduced his outgoings by £377. The APR is always decided by your individual risk and personal profile, but your find regardless of this our rates are very competitive with even main high street lenders. Try us today and receive your no obligation quote, and see if you could benefit from a secured loan with apple loans. .
Understand our repayment calculator
The calculator is for illustration purposes only, please submit a full application for a personalised quote based on your actual circumstances. We take into account your past credit history, current employment details, your equity in your property, and your overall ability to repay the secured loan. The initial credit search will not show up on your credit file, only when you accept and proceed will it then show as an official search on your file. Once we receive your request, you will be contacted by telephone to run through the rest of your application, and to answer any questions you may have. The loan adviser will confirm your monthly repayments, and will then be in a position to email any loan documents to you for signing.
(example of "Good" history) a loan applicant who is employed full time, with no arrears or CCJ’s, and has a small amount of unsecured debt.
(example of "Average" history) an applicant who is employed or self-employed with accounts, no mortgage arrears but is behind 2 months on a credit card.
(example of "Poor" history) an applicant who is employed or self-employed with no accounts, 2 months mortgage arrears, a CCJ and unmanaged unsecured or secured debt.
In all cases, you must ensure your mortgage plus requested loan amount when added together are less than 85% of your property value to qualify for a homeowner loan with us. Please add together (mortgage balance + required loan then subtract from your property value to find your equity)
James Edwin, Derby
From being saddled with debts after a costly divorce, to be able to get an affordable secured loan was life changing for me. Apple Loans provided superb customer service, especially from my account manager who was extremely professional throughout, and is a credit to the company. He understood my needs and only recommended products that made a positive difference to my situation.
Plus, I was kept informed every step of the way. The quality of service was excellent in all areas, with an instant solution and friendly service. I highly recommend Apple Loans to anyone, because they're a pleasure to deal with from day one, and a 'can do' positive attitude makes the whole experience surprisingly simple and efficient.
Thank you so much,
Linda Collins, Milton Keynes
Apple Loans were on hand to help us get a secure loan right from the moment we made our application. As homeowners, we needed a one of the many secure loans out there to pay for our new extension. We had applied for another loan provider earlier, but found that their rates were extremely high, considering me and my partner both have great credit reports I was a bit lost. From the moment we applied, to the moment we got the cash in our bank accounts, Apple Loans were always there to help guide us through the process. We are very happy with the overall experience, and would recommend them to anybody and everybody. We now have our extension, and we're thoroughly happy with the monthly payments and interest.
Katy Holworth, Devon
After defaulting on a loan almost two years ago, I've found it impossible to get credit. But after applying with appleloans.co.uk, I was shocked to notice that I had been accepted so fast, and started receiving waves of paperwork through the post to sign. The whole process was easy, and there were even choices of secured loans to choose from. Everything was clearly explained to me, and I am now 6 months through making my regular monthly repayments, I'm so glad I was given the chance to prove myself once again.
I made a mistake in the past, but I'm just glad that one company was willing to work with me to regain my credit rating, and to get my finances back on track. Yes, I would recommend Apple Loans to all of my friends and family without hesitation.
HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE
OR ANY OTHER DEBT SECURED ON IT.