Access larger loan amounts at lower rates by using your property as security. Flexible terms for homeowners to achieve their financial goals.
Discover the advantages of property-backed financing with Integra Finance
Using your property as security allows us to offer more competitive interest rates than unsecured lending, starting from just 3.8% APR
Borrow larger sums of money based on the equity in your property, with loans available from £10,000 up to £200,000
Spread your repayments over a longer period, with terms available from 3 to 25 years, making monthly payments more manageable
A straightforward journey to accessing property-backed finance
Speak with our secured loan specialists to discuss your needs, explore suitable options, and get personalized advice for your financial goals.
Complete our streamlined application process with relevant documentation about your income, expenses, and property details for assessment.
We'll arrange a professional valuation of your property to determine how much you can borrow based on available equity.
Once approved, we'll finalize the legal aspects and promptly provide your loan funds, with money typically available within 2-3 weeks.
Flexible financing solutions for various purposes
Finance major renovations, extensions, or upgrades to your property, potentially increasing its value while creating your dream living space
Combine multiple high-interest debts into one lower-rate secured loan, potentially reducing your monthly payments and simplifying your finances
Fund the purchase of additional properties or invest in buy-to-let opportunities to expand your property portfolio and generate rental income
Access substantial capital to grow your business, invest in new equipment, expand premises, or take advantage of time-sensitive business opportunities
Fund significant expenses such as luxury vehicles, boats, high-end appliances, or other substantial purchases with better rates than standard financing
Help family members with major life expenses such as education costs, wedding expenses, or providing a deposit for a child's first home
Transparent terms and competitive rates for your property-backed loan
| Loan Feature | Details |
|---|---|
| Loan Amount | £10,000 - £200,000 |
| Interest Rate | From 3.8% APR (Representative example) |
| Loan Term | 3 - 25 years |
| Maximum LTV | Up to 75% of property value |
| Decision Time | Within 48 hours |
| Fees | Arrangement fee from £495, Valuation fee varies by property value |
*Representative Example: £50,000 secured loan at 3.8% APR over 15 years with monthly repayments of £365.18
Apply NowRequirements to qualify for a secured loan with Integra Finance
You must be a homeowner with sufficient equity in your property. The property will be used as security against the loan, so you should have a clear or manageable existing mortgage.
You need a stable income source to demonstrate ability to make monthly repayments. We'll assess your income against expenses to ensure the loan is affordable and sustainable for your financial situation.
While a good credit history is beneficial, we take a flexible approach to credit issues. As your loan is secured against your property, we can often help where unsecured lenders cannot.
Understanding the key differences to make an informed decision
| Comparison Factor | Secured Loans | Unsecured Loans |
|---|---|---|
| Interest Rates | Lower rates (from 3.8% APR) | Higher rates (typically 7%+ APR) |
| Loan Amounts | Higher amounts (£10,000 - £200,000+) | Lower amounts (typically up to £50,000) |
| Repayment Terms | Longer terms (3-25 years) | Shorter terms (typically 1-7 years) |
| Application Process | More thorough (requires property valuation) | Generally faster and simpler |
| Credit Requirements | More flexible (property as security) | Stricter (based on credit history) |
| Risk to Property | Property at risk if payments missed | No direct risk to property |
Our finance specialists can help you determine which option is right for your specific needs and circumstances.
Real experiences from our satisfied secured loan customers
Home Extension
"We used a secured loan to finance our dream kitchen extension. The rates were much lower than other financing options, and the longer term made the monthly payments very manageable. The process was straightforward, and we're delighted with the added value to our home."
Debt Consolidation
"I had multiple high-interest loans and credit cards that were becoming hard to manage. By consolidating everything into one secured loan, I've reduced my monthly outgoings by over £400 and cut the total interest I'll pay significantly. The team at Integra made the whole process simple and stress-free."
Business Expansion
"As a small business owner, I needed substantial capital to expand my operations. Traditional business loans required extensive paperwork and had high rates, but Integra's secured loan offered a much better deal. I secured the funding needed to open a second location, and my business has now doubled in revenue."
Check your rate in minutes with no impact on your credit score.
Get answers to common questions about secured loans
Missing payments on a secured loan can potentially lead to repossession of your property in severe cases, which is why it's important to ensure the loan is affordable. However, we work closely with borrowers experiencing difficulties to find solutions before this stage, including payment holidays or restructuring the loan where appropriate.
Yes, secured loans are often more accessible to those with imperfect credit histories. Since the loan is secured against your property, lenders take on less risk and can be more flexible regarding credit issues. While a poor credit history may affect your interest rate, we specialize in finding solutions for those who have been declined by mainstream lenders.
The secured loan process typically takes 2-3 weeks from application to funding, though this can vary depending on the complexity of your circumstances and how quickly the property valuation can be arranged. We offer an initial decision within 48 hours, and our team works efficiently to complete the process as quickly as possible.
Yes, our secured loans allow for early repayment. Depending on the specific loan terms, there may be early repayment charges, typically equivalent to 1-2 months' interest. However, paying off your loan early can still save you money on interest in the long run. We'll clearly explain any early repayment conditions before you commit to the loan.
When you initially check your rate with us, we perform a "soft search" which doesn't impact your credit score. Only when you proceed with a full application will we conduct a "hard search," which is recorded on your credit file. Successfully managing your secured loan repayments can actually improve your credit score over time.
