{"id":13555,"date":"2024-03-13T12:22:38","date_gmt":"2024-03-13T12:22:38","guid":{"rendered":"https:\/\/healthservicediscounts.com\/blog\/?p=13555"},"modified":"2026-05-12T16:00:13","modified_gmt":"2026-05-12T15:00:13","slug":"secured-loans-guide","status":"publish","type":"post","link":"https:\/\/healthservicediscounts.com\/blog\/secured-loans-guide\/","title":{"rendered":"An Easy Guide to Secured Loans: What You Need to Know"},"content":{"rendered":"\n<p>Finance can be confusing\u2014with so many options out there, how do you know which one\u2019s right for you? Whether you&#8217;re thinking about applying for a loan or just want to check your eligibility, our trusted partners at <strong>Aro<\/strong> are here to guide you through safe and responsible lending.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Highlights<\/h2>\n\n\n\n<ul style=\"color:#1c36ba\" class=\"wp-block-list has-text-color\">\n<li><a href=\"#securedloan\" rel=\"nofollow\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-black-color\"><strong>What is a Secured Loan?<\/strong><\/mark><\/a><\/li>\n\n\n\n<li><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-black-color\"><strong><a href=\"#howmuch\" rel=\"nofollow\">How much can I borrow with a secured loan?<\/a><\/strong><\/mark><\/li>\n\n\n\n<li><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-black-color\"><strong><a href=\"#loantype\" rel=\"nofollow\">What can I use this Loan Type for?<\/a><\/strong><\/mark><\/li>\n\n\n\n<li><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-black-color\"><strong><a href=\"#eligibility\" rel=\"nofollow\">Would I be eligible for a Secured Loan?<\/a><\/strong><\/mark><\/li>\n\n\n\n<li><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-black-color\"><strong><a href=\"#processtime\" rel=\"nofollow\">How long does the loan take to process?<\/a><\/strong><\/mark><\/li>\n\n\n\n<li><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-black-color\"><strong><a href=\"#mortgageaffected\" rel=\"nofollow\">Will my mortgage be affected?<\/a><\/strong><\/mark><\/li>\n\n\n\n<li><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-black-color\"><strong><a href=\"#benefits\" rel=\"nofollow\">What are the benefits?<\/a><\/strong><\/mark><\/li>\n\n\n\n<li><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-black-color\"><strong><a href=\"#whattoconsider\" rel=\"nofollow\">What do I need to consider?<\/a><\/strong><\/mark><\/li>\n<\/ul>\n\n\n\n<p>From understanding secured loans to knowing how much you could borrow and how your mortgage might be affected, we\u2019re breaking down everything you need to know. This includes financial options available to NHS staff across the UK\u2014including those working with <strong>NHS Trusts Scotland<\/strong>.<\/p>\n\n\n\n<p>To make things even easier, Aro offers a quick loan eligibility checker so you can view personalised offers in minutes. Read on to explore your options with confidence.<\/p>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-white-color has-text-color has-background\" id=\"securedloan\" style=\"background-color:#1c36ba\">What is a secured loan?<\/h2>\n\n\n\n<p>A secured loan \u2013 also called a homeowner loan or a second-charge mortgage \u2013 is a loan that\u2019s secured against an asset you own, usually your home.<\/p>\n\n\n\n<p>This added level of security for the lender means that you can usually borrow much larger amounts and spread the repayments over much longer than you can with <a href=\"https:\/\/healthservicediscounts.com\/money\/borrowing\/loans\">personal loan<\/a>s. However, it also means that if you stop making your secured loan repayments as a last resort, the lender could take your property to recover their costs.<\/p>\n\n\n\n<p>Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-white-color has-text-color has-background\" id=\"howmuch\" style=\"background-color:#1c36ba\">How much can I borrow with a secured loan?<\/h2>\n\n\n\n<p>Secured loans can be used to borrow amounts from \u00a310,000 to \u00a32,000,000. That said, the amount you will be able to borrow will depend on your personal circumstances. Factors that can impact how much you can borrow include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The amount of equity you have in your home<\/li>\n\n\n\n<li>Your credit score<\/li>\n\n\n\n<li>Your income<\/li>\n\n\n\n<li>The amount of debt you currently hold<\/li>\n<\/ul>\n\n\n\n<p>Secured loans also come with much longer repayment terms than personal loans. Typically, with a personal loan, you can spread the cost of your borrowing over 1 to 30 years instead of the maximum of 7 years. If you\u2019re wondering how much you can earn, use our loan checker to determine your loan eligibility.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-white-color has-text-color has-background\" id=\"loantype\" style=\"background-color:#1c36ba\">What can I use this type of loan for?<\/h2>\n\n\n\n<p>Essentially, any legal purpose. Although these loans are typically for larger amounts, the most common uses are home improvements, debt consolidation, or a combination. For smaller amounts, you may prefer to look at personal loan calculators for suitability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-white-color has-text-color has-background\" id=\"eligibility\" style=\"background-color:#1c36ba\">Would I be eligible for a secured loan?<\/h2>\n\n\n\n<p>To be eligible for a secured loan, you\u2019ll need to be a homeowner over 18. You\u2019ll also need to have enough equity in your home to secure your loan.<\/p>\n\n\n\n<p>Secured loans for NHS staff could also be an option if you have a lower credit score. Make sure you can confidently keep up with the repayments before making this financial commitment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-white-color has-text-color has-background\" id=\"processtime\" style=\"background-color:#1c36ba\">How long does the loan take to process?<\/h2>\n\n\n\n<p>Generally, this type of loan can take around 10 days to complete. This is because of the additional paperwork to secure the loan against your property.<\/p>\n\n\n\n<p>Here\u2019s a quick run-through of the steps involved.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-white-color has-text-color has-background\" style=\"background-color:#1c36ba\">Step 1: Check your eligibility<\/h3>\n\n\n\n<p>To get started, you can initially <a href=\"https:\/\/healthservicediscounts.com\/nhs-offer?offer=health-service-borrowing-secured-loans-20818&amp;listingPosition=1\">check <\/a>online if you\u2019d be eligible for a secured loan using our loan eligibility checker. Aro lets you quickly see if a secured loan is an option without affecting your credit score. This loan calculator UK can offer same-day funds, which has no impact on your credit score, and provides offers from a wide panel of lenders, unlike a bank loan calculator.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/marketplace.aro.co.uk\/?advsrcSuggest=WADWNH&amp;source=WADWNH&amp;utm_campaign=NHWFP(securedloans)\" style=\"background-color:#1c36ba\" target=\"_blank\" rel=\"noreferrer noopener\">Use the FREE loan eligibility checker<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:45px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-white-color has-text-color has-background\" style=\"background-color:#1c36ba\">Step 2: Speak to an adviser<\/h3>\n\n\n\n<p>Think a secured loan is the right option for you? If so, you\u2019ll need an advice call with a qualified adviser. Your adviser will look at your circumstances and the finance options available to you and let you know if a secured loan is available. If they can see that a secured loan wouldn\u2019t benefit you, you won\u2019t be able to proceed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-white-color has-text-color has-background\" style=\"background-color:#1c36ba\">Step 3: Fill out the paperwork<\/h3>\n\n\n\n<p>If you\u2019re happy to proceed with your loan, you\u2019ll be assigned a Case Manager who will arrange for the paperwork to be sent to you to complete. Once it\u2019s returned, they\u2019ll package your loan application and send it to the lender.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-white-color has-text-color has-background\" style=\"background-color:#1c36ba\">Step 4: Receive your loan<\/h3>\n\n\n\n<p>If your application is approved, you\u2019ll then receive your loan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-white-color has-text-color has-background\" id=\"mortgageaffected\" style=\"background-color:#1c36ba\">Will my mortgage be affected?<\/h2>\n\n\n\n<p>No, a secured loan does not affect your existing mortgage and you won\u2019t need to remortgage to take one out.<\/p>\n\n\n\n<p>So, if you\u2019re currently in a low-rate fixed-term deal, you can use the equity tied up in your home by borrowing against it and leaving your current mortgage deal alone, rather than remortgaging to release equity.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-white-color has-text-color has-background\" id=\"benefits\" style=\"background-color:#1c36ba\">What are the benefits?<\/h2>\n\n\n\n<p>Secured loans do have their benefits. Here are a few of the reasons why people opt for this type of loan.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can often borrow larger amounts to cover big expenses<\/li>\n\n\n\n<li>You can spread the cost of your borrowing over a much longer amount of time to reduce your monthly repayments<\/li>\n\n\n\n<li>You can borrow against the equity tied up in your home without affecting your existing mortgage<\/li>\n\n\n\n<li>You may be able to access lower rates with a secured loan<\/li>\n\n\n\n<li>Making all your loan repayments on time could improve your credit score<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-white-color has-text-color has-background\" id=\"whattoconsider\" style=\"background-color:#1c36ba\">What do I need to consider?<\/h2>\n\n\n\n<p>As with all types of borrowing, there are a few things you need to think about before taking on this financial commitment.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Missed or late payments could negatively impact your credit score<\/li>\n\n\n\n<li>If you are unable to keep up with your repayments, the lender could repossess your home as a last resort to recover their costs<\/li>\n\n\n\n<li>Spreading your repayments out over a longer term could mean that you pay back more in interest overall<\/li>\n\n\n\n<li>If you own your property with someone else, such as a partner, the loan will need to be in both of your names<\/li>\n<\/ul>\n\n\n\n<p>So, there you have it \u2013 our quick guide to secured loans. Think a secured loan might be right for you? You can quickly check your eligibility online to work out your options using this finance calculator based on your circumstances. &nbsp;<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/marketplace.aro.co.uk\/?advsrcSuggest=WADWNH&amp;source=WADWNH&amp;utm_campaign=NHWFP(securedloans)\" target=\"_blank\" rel=\"noreferrer noopener\">Use loan calculator<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.<\/p>\n\n\n\n<p>Looking to do a bit more research? Check out our guides to loans, mortgages, credit cards and more.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/healthservicediscounts.com\/blog\/nhs-staff-personal-loans-what-you-need-to-know\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"text-decoration: underline;\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#1c36ba\" class=\"has-inline-color\">NHS Staff Loans \u2013 What you need to know<\/mark><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/healthservicediscounts.com\/blog\/mortgages-for-nhs-staff-things-first-time-buyers-need-to-know\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"text-decoration: underline;\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#1c36ba\" class=\"has-inline-color\">Mortgages for NHS Staff: Things first-time buyers need to know<\/mark><\/span><\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/healthservicediscounts.com\/blog\/nhs-credit\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#1c36ba\" class=\"has-inline-color\">NHS Credit Explained \u2013 How credit works and how to improve your bad credit score<\/mark><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Looking for the right loan option? Whether you work in NHS England or NHS Trusts Scotland, we\u2019re here to help you borrow responsibly. With expert tips from Aro and an easy eligibility checker, finding the right loan has never been simpler.<\/p>\n","protected":false},"author":32,"featured_media":13757,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[5],"tags":[],"class_list":["post-13555","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-saving-tips"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.4 (Yoast SEO v24.8.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NHS Loan Eligibility Checker | FREE Finance Calculator<\/title>\n<meta name=\"description\" content=\"Check out our NHS loan eligibility checker and loan calculator tool to discover your finance options. See if you&#039;re eligible for a personal loan today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/healthservicediscounts.com\/blog\/secured-loans-guide\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"An Easy Guide to Secured Loans: What You Need to Know\" \/>\n<meta property=\"og:description\" content=\"Check out our NHS loan eligibility checker and loan calculator tool to discover your finance options. See if you&#039;re eligible for a personal loan today.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/healthservicediscounts.com\/blog\/secured-loans-guide\/\" \/>\n<meta property=\"og:site_name\" content=\"Health Service Discounts\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-13T12:22:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-12T15:00:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2023\/10\/HSD_SecuredLoans_BlogFeature.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"608\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Ellie Jones\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ellie Jones\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/secured-loans-guide\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/secured-loans-guide\/\"},\"author\":{\"name\":\"Ellie Jones\",\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/#\/schema\/person\/babc56d7f160b56febf717481163d15a\"},\"headline\":\"An Easy Guide to Secured Loans: What You Need to Know\",\"datePublished\":\"2024-03-13T12:22:38+00:00\",\"dateModified\":\"2026-05-12T15:00:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/secured-loans-guide\/\"},\"wordCount\":1176,\"publisher\":{\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/secured-loans-guide\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2023\/10\/HSD_SecuredLoans_BlogFeature.png\",\"articleSection\":[\"Money Saving Tips\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/secured-loans-guide\/\",\"url\":\"https:\/\/healthservicediscounts.com\/blog\/secured-loans-guide\/\",\"name\":\"NHS Loan Eligibility Checker | FREE Finance Calculator\",\"isPartOf\":{\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/secured-loans-guide\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/healthservicediscounts.com\/blog\/secured-loans-guide\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/healthservicediscounts.com\/blog\/wp-content\/uploads\/2023\/10\/HSD_SecuredLoans_BlogFeature.png\",\"datePublished\":\"2024-03-13T12:22:38+00:00\",\"dateModified\":\"2026-05-12T15:00:13+00:00\",\"description\":\"Check out our NHS loan eligibility checker and loan calculator tool to discover your finance options. 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