NHS Secured Loans

We all have times where we need some financial support. If you can’t get a high enough balance on a credit card and a personal loan isn’t an option, then a secured loan might be useful. Often, a secured loan is used to fund a large purchase, such as a home improvement project. As the loan is secured against an asset, usually your property, you can be eligible to borrow larger sums of money through a secured loan.

What do our members say?


Aro is currently one of the UK’s leading fully in-house secured loans advisor teams. They’ll be able to give regulated advice on whether a secured loan is the right option or whether personal loans might be more suitable.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.


A secured loan is often used for things like:

Debt ConsolidationHome Improvements

Buying Additional Properties

Purchasing the freehold on a property


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Your home may be possessed if you do not keep up with certain types of repayments.

  • A secured loan (also referred to as a homeowner loan or a second charge mortgage) is a loan that is secured against an asset, such as your home. This adds an extra level of security for the lender, enabling you to borrow larger amounts over much longer terms. You may also be able to get a better rate with a secured loan. However, if you become unable to repay your loan, as a last resort your lender could repossess your property to recover their costs.

    A secured loan will take a little longer to set up than an unsecured loan, however it works in a similar way. You borrow a fixed sum of money from your lender, then pay it back in monthly instalments plus interest over the term of your loan. At the end of your loan term, your loan will be repaid.

  • With a secured loan, you can borrow from £10,000 to £2,000,000 over 1 to 30 years.

  • To be eligible for a homeowner loan, you’ll need to be over 18 years old, a UK resident and a homeowner. Most lenders will also require you to have a decent amount equity in your home, although low loan-to-value (LTV) ratios are available. You may also be eligible for a secured loan even if your credit score is less-than-perfect.