Secured Loans

Perfect for homeowners, discover how much you can borrow at a low interest rate, using your property as security. Secured loans or homeowner loans, let you borrow money at low interest rates because they are secured against your home.

Secured Loans for Homeowners, from just 3.8% APR

Basik Money is a secured loan broker, we are not a bank. We search all lenders to find the best loan available to you, no matter how your credit history looks. Get in touch with Basik Money today to find out how we can help you.

What are secured loans?

A secured loan or homeowner loan can be used to take advantage of the equity that has been built up in your property. When applying for a secured loan, your property is used to secure your borrowing – reducing the risk to the lender. Using your property as a guarantee allows you to access more funding at better rates than standard unsecured loans. Borrowing can be done over a longer period of time with a homeowner loan, allowing your repayments to lower and be more flexible. Applying for a secured loan through Basik Money allows you access to our team of experienced advisors who will assist you in finding the best loan available to you.

Reasons to choose a Secured Loan

  • Loans available from £3,000 – £2.5m
  • Up to 95% LTV (loan to value)
  • 3.8% typically over 3 – 30 years
  • Basik Money adviser to guide you from application to acceptance
  • If you’re self-employed, 6 months trading history required
  • Fixed, variable and tracker options available
  • Mortgage arrears acceptable (more than 12 months ago)
  • Tax credits and surplus rental income are eligible towards affordability
  • No Funding, No Fee



Key Features

Secured loans are perfect for people who want larger loans or who have been denied unsecured loans. They are a great way to build up your credit score and banks like them because there are less risks involved. The lower interest rates are one of the key advantages to choosing a secured loan. You should be careful as to how much you wish to borrow as most lenders require either your home or car as collateral.

What to consider

The dangers of applying for a secured loan is that you may lose possession of the collateral you agreed with the lender, such as your home or car if you do not keep up with your repayments. Please understand that taking on too much debt may make it difficult to meet all of your financial obligations, carefully consider your monthly budget and your ability to make these monthly repayments to the lender. If you default on the loan or make late payments, this can also damage your credit score.

Why choose Basik Money?

At Basik Money it’s all in the name: we make finding the right financial solution simple, easy and effective. Basik Money take great pride in being directly authorised and regulated by the Financial Conduct Authority. Which means that we adhere to the highest standards of advice for our clients. Our approach is transparent and simple – if you’re not accepted for a solution, there’s nothing to pay.


  • FCA Regulated

    We are fully authorised and regulated by the FCA, meaning we’re a trustworthy provider of financial services.

  • Industry Experts

    Our fully qualified advisers will explain everything to you in terms that you understand, ensuring that you have the best chance of acceptance for the finance option that is right for you.


    At Basik Money, we search the entire market to find only best lending, insurance or debt options available to you.


    Don’t just take our word for it, read our customer reviews on TrustPilot.