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Secured Loans
For Bad Credit
Call: 01202 232160

Secured Loans for Bad Credit – Homeowners Only

If you are looking for a Secured Loan for Bad Credit, Badger Loans has partnered with Total Home Loans. This gives you access to just about every type of secured loan product available in the UK. And that includes products for bad credit too!

Below is your guide to who they are, what they do and most importantly, how to apply and get in touch with Total Home Loans. Essentially, here is a link to Total Home Loans site and application form.

You can borrow from £10,000 up to £500,000. You can use the money for almost any purpose. CCJs, arrears, defaults are all acceptable, please contact them for futher details about how long ago any CCJs must have been or how long satisfied. The loan search will not affect your credit rating and depending on your circumstances you could get a very low rate of interest. They have many fixed rates available. You can call Total Home Loans on 01202 232160. Or click here to go straight to their application form.

If you decide to give them a call (and they welcome speaking to you), please don’t forget to mention you saw them on Badger loans. Thank-you and good luck!

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Total Home Loans: Your Trusted Mortgage Team

Total Home Loans Mortgage Team is a collective of seasoned professionals boasting extensive experience in the mortgage and financial services arena. They have an abundance of experience in sourcing secured loans for bad credit. With a commitment to excellence, their team endeavours to guide you through the labyrinth of mortgage processes with the care and attention akin to that of a friend. In this case, a business friend.

Tailored Solutions for Individual Circumstances

At Total Home Loans, they don’t believe in a one-size-fits-all solution. They take the time to understand your unique circumstances, allowing them to tailor their recommendations to suit your specific needs. Their dedication doesn’t stop with office hours. They’re there for you whenever you need them, ensuring a complete and comprehensive service.

Whole of Market Access

As national Mortgage Brokers with Whole of Market Access, they possess the ability to scour through a vast array of mortgage products, ensuring that they unearth options tailored precisely to your requirements. Leveraging their deep industry knowledge and understanding of each lender’s offerings, they streamline the process, providing you with advice and recommendations swiftly and efficiently.

Embracing Diverse Circumstances

We extend a warm welcome to clients who may have encountered hurdles in securing a mortgage due to factors such as credit status, income, or age. At Total Home Loans, they believe that every individual deserves the opportunity to achieve their mortgage needs. 

Comprehensive Support Beyond Mortgages

Beyond mortgages, Total Home Loans stands by your side, offering end-to-end support for various financial needs. From self-employed individuals to first-time buyers, from remortgages to low credit situations, they provide guidance and assistance every step of the way. Moreover, their expertise extends to areas such as home insurance, life assurance, and income protection.

Unlocking Financial Opportunities

In addition to mortgages, Total Home Loans collaborates with a Master Broker Panel, offering access to secured loans, semi-commercial/commercial/bridging loans, equity release, and pension advice.

Your Trusted Partner on Your Financial Journey

Total Home Loans Ltd operates as an appointed representative of Quilter Mortgage Planning Limited, authorised and regulated by the Financial Conduct Authority. While most buy-to-let mortgages and commercial loans are not regulated, they uphold the highest standards of integrity and professionalism in all their endeavours.

Transparent Fees, Exceptional Value

Our commitment to transparency extends to our fee structure. We offer a free initial assessment and consultation, with no upfront costs for advice and recommendations. For mortgages, our fee typically amounts to up to 2% of the total loan amount, payable only upon successful completion. We do not charge fees for advice on protection, assurance, or insurance products, ensuring exceptional value for our clients.

Embark on Your Financial Journey with Confidence

With Total Home Loans by your side, embarking on your financial journey becomes a seamless and empowering experience. Let them unlock the doors to financial opportunities, guiding you towards a future filled with prosperity and security. Contact them today to take the first step towards realising your dreams.


Secured Loans Against Property

The most common types of secured loans are usually against your property such as a home, flat or motorhome. To be eligible, you will need to be the homeowner and the lender will need to know what equity you have in your home and the outstanding balance of your mortgage.

The more equity in your home and the more the property is worth, the more you can usually borrow – and this can often be amounts such as £50,000, £100,000 or more. Or in this case, up to £500,000.

If you have a mortgage already, any additional loans against your home as referred to as ‘second charge mortgages’ – because it is essentially the second charge taken from your bank account after your first mortgage.

To proceed, the lender will usually send a chartered surveyor to value your property and you will need to show proof of ownership including things like recent utility bills.

What is the Eligibility for Secured Loans?

  • Over 18 years of age
  • Full-time UK resident
  • Employed or Self-Employed and able to afford monthly repayments
  • Sole owner of the property, vehicle or asset
  • Not too many other credit commitments or loans outstanding

What Are Secured Loans Used for?

Will My Home or Vehicle Be Repossessed?

If you fail to keep up with your monthly repayments, your home or vehicle may be repossessed by the lender. Your secured loan is given to you upfront in one lump sum. If the lender does not receive their repayments, they will need to take the necessary measures in order to retrieve their loss of funds.

However, repossessing items does create extra work for the lender (especially a home). They will usually take all the measures they can to try other means of collecting their funds. This could be through emails, phone calls and letters. Repossession is usually a last resort.

Will You Run a Credit Check on a Secured Loan?

Yes, the best secured loans companies will run a credit check for every applicant. However, this is likely to be a ‘soft credit check’ which will not impact your credit score.

Your credit score is taken into consideration when applying for a secured loan. There are a lot of lenders that will take a view on bad credit histories. They may look at your more recent credit history. If you are improving, this could help your eligibility. Equally, if your asset is very valuable, they will take this into account.


Why Apply For An Unsecured Loan with Badger Loans?

  • Amount between £100-£25,000
  • Term from 12 months to 5 years
  • You need an Unsecured Loan
  • Good or Bad Credit
  • No Guarantor Required

Legal Information

Rates from 12.9% APR to 1625.5% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. The total amount repayable is £1564.59. Interest amounts to £564.59, an annual interest rate of 59.97% Representative APR: 79.5% (variable).

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