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No. Our initial eligibility check is a soft search — it leaves no footprint on your credit file. A full credit search only happens when you formally apply, and we'll always tell you before that happens.

A secured loan is tied to your property — typically allowing larger amounts and lower rates, but your home is at risk if you don't keep up repayments. An unsecured loan requires no collateral but is usually limited to smaller amounts. We have a full guide on secured vs unsecured loans in our guides section.

It depends on your circumstances. Unsecured loans typically go up to £25,000. Secured loans can reach £2,000,000+ depending on the equity in your property, your income, and your credit profile. Most secured loan lenders cap combined LTV (existing mortgage plus new loan) at 85%.

An eligibility check takes around 5 minutes. If you choose to proceed, unsecured loan decisions can be instant or within 24 hours. Secured loans typically take 2–6 weeks due to property valuation and legal work.

Often yes. Specialist lenders such as Together, Pepper Money and Norton Finance consider applicants with CCJs, defaults, missed payments and historic IVAs. Because your property provides security, lenders are usually more flexible than with unsecured borrowing — though rates will be higher to reflect the risk.

A remortgage replaces your existing mortgage. A secured loan sits behind it as a 'second charge' — your existing mortgage stays exactly as it is. Secured loans are often better if you'd lose a low fixed rate or pay early repayment charges by remortgaging.

Both are available. Fixed rates (typically 2, 3 or 5 year terms) give payment certainty. Variable and tracker rates move with the Bank of England base rate or the lender's standard variable rate. Always compare APRC, not just the headline rate.

Common fees include a product/arrangement fee (£300–£2,000), a broker fee if applicable (often added to the loan), a valuation fee (sometimes waived) and solicitor/legal fees (usually £200–£500). The APRC reflects the total cost including fees — that's the number to compare.

For a secured loan, yes — you need a property to secure the loan against. Unsecured personal loans are available to renters too, with no security required. Both options appear in our eligibility check.

Yes. Most lenders allow early repayment, though some apply early repayment charges (typically 1–3% of the balance) on fixed-rate deals during the fixed period. Variable products are often fee-free to repay early.