Secured Loans made Simple
We help homeowners explore borrowing for debt consolidation, home improvements and more — searching 600+ plans to find the right loan for your circumstances.
Checking eligibility will not affect your credit score
Loans subject to status and affordability. Representative 11.3% APRC variable. Max APR 56.5%.
Apply4Loan is a trading name of Ruby Holdings Ltd, registered in England and Wales (Company No. 09496123), authorised and regulated by the Financial Conduct Authority (FRN: 763879). Registered office: The Counting House, 24 Richmond Road, Bowdon, Altrincham, WA14 2TT. We are a credit broker, not a lender. We introduce customers to selected third-party lenders and brokers. Loans are subject to status, affordability and credit assessment. Your home may be repossessed if you do not keep up repayments. Representative example: If you borrow £34,650 over 10 years, initially on a fixed rate for 5 years at 7.60% then the lender's SVR of 9.10%, you will make 60 payments of £467.50 then 60 payments of £473.06. Total repayable £56,526.60 (includes lender fee £595, broker fee £4,137). Overall cost: 11.3% APRC representative. Maximum APR 56.5%.
Find the secured loan which is right for you
As a directly FCA authorised credit broker, we work across the whole market to match you with the right lender — whatever your circumstances.
Competitive Rates
We search and compare over 600 plans from across the market to find the most suitable secured loan for your circumstances — giving you more choice and better value.
ⓘ Rates from 5.65% fixed. Representative 11.3% APRC variable.
Flexible Terms
Borrow between 10,000 and £500,000 over two to 30 years. Whether you need a short-term solution or a longer repayment plan, we find terms that work for your budget.
ⓘ Available to homeowners only. Subject to status and affordability.
Poor Credit Options
Even if you've been declined elsewhere, we may still be able to help. We work with specialist lenders who understand complex credit histories and individual situations.
ⓘ A Decision in Principle is not a guaranteed offer of credit.
Won't Affect Your Credit
Our no-obligation eligibility check uses a soft search — so finding out what you could borrow leaves no mark on your credit file. Only a full application triggers a hard search.
ⓘ A hard credit search will be recorded by the lender if you proceed.
No obligation · Soft search · No credit impact
Ready to find your best loan rate?
Checking will not affect your credit score. Apply4Loan is a trading name of Ruby Holdings Ltd — credit broker, not a lender. Loans subject to status and affordability. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments. Representative 11.3% APRC variable. Maximum APR 56.5%.
Find the secured loan which is right for you
FCA authorised credit broker searching the whole market to match you with the right lender.
Competitive Rates
We search 600+ plans to find the most suitable secured loan for your circumstances.
ⓘ Rates from 3.75% fixed. Rep. 11.3% APRC variable.
Flexible Terms
Borrow £10,000–£500,000 over 2 to 30 years. We find terms that work for your budget.
ⓘ Available to homeowners only. Subject to status.
Poor Credit Options
Declined elsewhere? Our specialist lenders understand complex credit histories.
ⓘ A DIP is not a guaranteed offer of credit.
Won't Affect Your Credit
Our eligibility check uses a soft search only — no mark left on your credit file.
ⓘ A hard search is only carried out if you proceed.
No obligation · Soft search · No credit impact
Ready to find your best loan rate?
Check my eligibilityApply4Loan is a trading name of Ruby Holdings Ltd (FRN: 763879). Credit broker, not a lender. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments. Rep. 11.3% APRC variable. Max APR 56.5%.
The simple steps to receive your secured homeowner loan
From your first enquiry to funds in your account — here's exactly what to expect at every stage.
You Submit Your Application
Tell us about yourself and what you're looking to borrow. Our simple eligibility check takes just a few minutes and uses a soft credit search — so it won't leave any mark on your credit file.
Subject to status and affordability assessment. Submitting an enquiry is not an application for credit and does not guarantee you will be offered a loan. Available to homeowners only.
Decision in Principle (DIP)
Your requirements are assessed and matched against our panel of 600+ loan plans. A Decision in Principle is typically available within 24 hours. We'll identify any further information or documents needed at this stage.
A Decision in Principle is not a guarantee of lending and is not a binding offer of credit. It is subject to full underwriting, a satisfactory property valuation, and a hard credit search carried out by the lender. Final approval is only confirmed when a formal offer is issued.
Underwriting & Final Approval
The lender carries out their full underwriting process — which may include a property valuation, income and expenditure verification, and a hard credit search. Our team supports you through every document request.
A hard credit search will be recorded on your credit file at this stage by the lender, which may temporarily affect your credit score. The lender may amend or withdraw their offer based on the outcome of underwriting. You will be kept informed at each stage.
Funds Disbursed
Once everything is approved and all legal formalities are complete, the funds are released — either directly to you or, if consolidating debts, to your existing creditors. You then make one simple monthly repayment to your new lender.
Completion timescales vary by individual circumstances. A broker fee of up to 12.5% of the loan (capped at £4,950) may be payable on completion. Lender fees will also apply and will be detailed in your personalised illustration. Your home is at risk if you do not keep up repayments.
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. We are a credit broker and introducer, not a lender. A Decision in Principle is not a guaranteed offer of credit and is subject to full underwriting. Loans are subject to status, affordability and credit checks. Representative 11.3% APRC variable. Maximum APR 56.5%. Apply4Loan is a trading name of Ruby Holdings Ltd, which is authorised and regulated by the Financial Conduct Authority, authorised and regulated by the Financial Conduct Authority (FRN: 763879).
Frequently Asked Questions
Everything you need to know about secured homeowner loans. If you can't find your answer here, our team is happy to help.
About Homeowner Loans
Application Process
Privacy & Confidentiality
Eligibility & Credit
Fees, Costs & Your Rights
Important information: Apply4Loan is a trading name of Ruby Holdings Ltd, registered in England and Wales (Company No. 09496123). Authorised and regulated by the Financial Conduct Authority (FRN: 763879). We are a credit broker, not a lender. 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. Loans are subject to status and affordability. A Decision in Principle is not a guaranteed offer of credit. Representative 11.3% APRC variable. Maximum APR 56.5%. Broker fee up to 12.5%, capped at £4,950, payable on completion. You are entitled to a refund of any brokerage fee (less £5) if no credit agreement is entered into within six months of an introduction to a lender (Section 155, Consumer Credit Act 1974). You have a 14-day right to cancel any distance credit broking agreement without penalty (CONC 11.1). Registered office: The Counting House, 24 Richmond Road, Bowdon, Altrincham, WA14 2TT.
Still have questions?
Our team is here to help. Get in touch and we'll answer any questions about secured homeowner loans.
Secured Loans made Simple
We help homeowners explore borrowing for debt consolidation, home improvements and more — searching 600+ plans to find the right loan for your circumstances.
Checking eligibility will not affect your credit score
Loans subject to status and affordability. Representative 11.3% APRC variable. Max APR 56.5%.
Apply4Loan is a trading name of Ruby Holdings Ltd, registered in England and Wales (Company No. 09496123), authorised and regulated by the Financial Conduct Authority (FRN: 763879). Registered office: The Counting House, 24 Richmond Road, Bowdon, Altrincham, WA14 2TT. We are a credit broker, not a lender. We introduce customers to selected third-party lenders and brokers. Loans are subject to status, affordability and credit assessment. Your home may be repossessed if you do not keep up repayments. Representative example: If you borrow £34,650 over 10 years, initially on a fixed rate for 5 years at 7.60% then the lender's SVR of 9.10%, you will make 60 payments of £467.50 then 60 payments of £473.06. Total repayable £56,526.60 (includes lender fee £595, broker fee £4,137). Overall cost: 11.3% APRC representative. Maximum APR 56.5%.
The simple steps to your secured homeowner loan
From first enquiry to funds in your account — here's what to expect at every stage.
You Submit Your Application
Tell us what you're looking to borrow. Our soft eligibility check takes a few minutes and won't leave any mark on your credit file.
Subject to status and affordability. Submitting an enquiry is not an application for credit and does not guarantee a loan offer. Available to homeowners only.
Decision in Principle (DIP)
We match your requirements against 600+ loan plans. A DIP is typically available within 24 hours and identifies any documents needed.
A Decision in Principle is not a guarantee of lending and not a binding offer of credit. Subject to full underwriting, valuation, and a hard credit search by the lender. Final approval only confirmed when a formal offer is issued.
Underwriting & Final Approval
The lender completes full underwriting — income checks, property valuation and a hard credit search. We support you through every step.
A hard credit search will be recorded on your credit file at this stage, which may temporarily affect your credit score. The lender may amend or withdraw their offer. You will be kept informed throughout.
Funds Disbursed
Once approved and all legal formalities are complete, funds are released to you or your creditors. You then make one simple monthly repayment.
Timescales vary. A broker fee of up to 12.5% (capped at £4,950) may be payable on completion. Lender fees will be detailed in your personalised illustration. Your home is at risk if you do not keep up repayments.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments. We are a credit broker, not a lender. A Decision in Principle is not a guaranteed offer of credit. Loans subject to status and affordability. Representative 11.3% APRC variable. Maximum APR 56.5%. Ruby Holdings Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 763879).
Secured Loans made Simple
We help homeowners explore borrowing for debt consolidation, home improvements and more — searching 600+ plans to find the right loan for you.
Checking won't affect your credit score
Think carefully before securing other debts against your home. Apply4Loan is a trading name of Ruby Holdings Ltd. Credit broker, not a lender.
Apply4Loan is a trading name of Ruby Holdings Ltd (Co. No. 09496123), authorised and regulated by the Financial Conduct Authority (FRN: 763879). Registered: The Counting House, 24 Richmond Road, Bowdon, Altrincham, WA14 2TT. Credit broker, not a lender. Loans subject to status and affordability. 11.3% APRC representative. Max APR 56.5%.