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What are secured loans?

Home improvement loans

Secured loans are secured on your home and can be used for such things as improving your property and consolidating loans.

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

Key facts

  • These loans are also called secured homeowner loans
  • With secured loans, if you default on the payment, you could be made to sell your home to clear your debt
  • When deciding whether or not to offer secured loans, lenders will look at the value of your home, as well as your personal credit history
  • Rates for secured loans tend to be lower than for unsecured loans, but there could be extra fees and of course your home could be at risk
  • People who do not have a good credit history, but do have value in their home may apply for a secured homeowner loan
  • Why are they called secure? Loans are secured against the value in your property, so are secure in respect to the lender. There is no special 'secure feature' from your perspective
  • An alternative to taking a secured loan is to increase the mortgage on your property

At Barclays we offer...

At Barclays, we can introduce you to secured Homeowner loans arranged by Freedom Finance.



Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 122702). Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. Further details can be found at Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 312078).

Barclays Bank PLC. Registered in England. Registered no. 1026167. Barclays Insurance Services Company Limited. Registered in England. Registered no. 973765. Registered office for both: 1 Churchill Place, London E14 5HP. ‘The Woolwich’ and ‘Woolwich’ are trademarks and trading names of Barclays Bank PLC. Barclays Business is a trading name of Barclays Bank PLC.


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