Homeowner/Secured Loans

7.7% to 11.9% APR for ANY PURPOSE secured loans from £3k to £50k subject to status.

Typical, we can help people who own their own home and regardless of credit record providing QUICK loans solutions with probably the lowest secured and unsecured interest rate loans EVER offered by UK lenders.

HOMEOWNER loan plans are available if you have had adverse credit problems in the past, if you are self employed with no accounts or if you are retired and require a loan.

Please choose the secured loan that best suits your needs:


Fixed Rate Loan
Variable Rate Loan
Flexible Loan

Why We?

We acts as an introducer for a wide range of lenders, loan brokers and financial institutions. We provide QUICK flexible loan solutions with the lowest secured and unsecured interest rate loans EVER offered by UK lenders.

1st4Loans can help people home owners even if they have a been refused elsewhere, CCJ's or a bad credit history. Our loans can be used for any purpose so its completely up to you what you do with your loan

We also have loans for people who do not own their own home, known as a Tenant Loan or Unsecured Loan. Again these loans are any purpose so its totally up to what you spend it on. more info

How do we work?

A 1st4 broker does most of the work that a direct lender does and therefore receives a discounted "wholesale" rate from the lenders s/he works with. brokers will not generally cost more than working with a direct lender.

Where a loan (status or non status) is declined by the intended first lender of choice, or when that lender imposes conditions that are judged to be unworkable, 1st4 brokers repackage the loan file and easily submit the SECURED HOME OWNER LOAN, UNSECURED LOAN, NON STANDARD MORTGAGE, NON STATUS REMORTGAGE OR NON PROPERTY OWNER & TENANT LOAN to another lender within a day or two.

Quality control checks are carried out on a regular basis to ensure your enquiry has been dealt with in a timely and professional manner.

Loan for Debt Consolidation

Debt consolidation

You won't be surprised that the majority of our clients use our loans to pay off all their credit cards, store cards, personal loans and other debts replacing them with one low cost payment each month from us. On a $20,000 loan our average client saves in excess of $500 a month which is a considerable saving.

To work out how much you can save simply click on our "How much will I save" calculator and work out the difference you can make to your life by taking out a loan. Or you can ring our experienced staff and they will do it for you.

Our goal

Simply, our goal is to cut the cost of debt for all homeowners in the US. In our view too many people are paying too much for expensive short term credit. By replacing such credit with one of our loans at a lower interest rate spread over a longer repayment period you can significantly cut your outgoings and improve your lifestyle.

And in doing so both you and we are helping the economy. More available income means either more savings for investment in British industry or more spending power to help keep the economy afloat and people in jobs. So you see it makes sense at all levels.

And we do it all for you. Simply give us a list of all your outstanding credit cards and loans and we will prepare individual cheques to clear all your debts and worries so that you can start afresh.

For further details of up-to-date interest rates, or for clarification on available flexible rate personal loans, please use the QUICK enquiry form below.

A decision in principle will be sent to you by email within 1 to 24 hours (excludes weekends & bank holidays) outlining: the APR the monthly payment you will make the total you will pay over the full period of the loan the total interest you will pay FULL instructions for finalising your loan agreement

You will also be given the option to include payment protection. Although this might increase your monthly payment, WE strongly recommends you take out payment protection insurance.

You Can Get a Poor Credits or Personal Loans....

Granted, claimed loans are difficult to get, but poor acclaim claimed loans can be alike added of a claiming to obtain. The acumen for this is because the companies accomplishing the money lending see your poor acclaim account as your claimed banking transcript.

A poor acclaim account agency that in the past, you charge not accept been actual active or proactive in advantageous for things on time and accept appropriately become a accountability for the western sky loan lender. You can analysis your acclaim account from one of the three above companies to actuate if you are activity to be accepting a aerial absorption poor acclaim claimed accommodation or a low absorption acceptable acclaim loan. The closing is preferred, but it is absolutely not the alone accessible option.

One way that lenders put their minds at affluence a bit is by alms you these loans, but at an amazing aerial absorption rate. In the accident that alike if you don't pay aback the accomplished loan, they will accept fabricated a acceptable bulk of money off you through interest. This is why it pays to advance a acceptable acclaim score. But, if the accident is done already, do not despair. You can get a accommodation anyway.

Just browsing about the internet, it becomes arresting the cardinal of companies that are accommodating to advice with your banking situations. With the ascent amount of food, gas and shelter, you charge money, and you charge it quickly. Ironically, back the houses started to be repossessed by banks afterwards they could not be paid for, the amount in apartment did not bead actual significantly. As a result, added and added loans charge be taken out in adjustment to accumulate bodies in homes.

With the growing cardinal of loans actuality accustomed out, achievement is actuality accustomed that our abridgement is on the rebound. Hopefully, the bearings will aloof accumulate accepting bigger and better.