Guide to Secured Loans

Here is a useful guide to secured loans. A secured loan is a loan that a lender provides on the understanding that a property is secured against the loan. Secured loans are also commonly known as a homeowner loan, home loan or home owner loan.

Secured loans can be a sensible way to borrow for certain expensive items, such as home improvements or debt consolidation.

This type of loan is usually provided with a lower interest rate than an unsecured loan because you will have secured your property against it. They are normally quicker to arrange because the lender has some security to offset against the loan should you default on the repayments.

A secured loan enables homeowners to borrow capital and offset the risk against the value of their property. This means that anyone taking out a secured loan is effectively using their property to guarantee the loan. If the borrower fails with the repayments, there could be a possibility their home is at risk.

Because the loan is secured against your home, the interest rate should be cheaper than an unsecured loan and you may be able to borrow more. One of the major benefits of a secured loan is that the interest rate charged by the lender tends to be significantly lower than that of an unsecured loan.

A lower interest rate, which is calculated as the annual percentage rate (APR), means that more of your monthly repayment is going towards repaying the original loan, rather than being absorbed by the interest you have incurred along the way. The interest rate for your secured loan will depend on many factors such as the amount of loan requested, the terms of the loan and your personal details.

Also, you can cut your monthly payments by stretching the loan over a longer term anywhere between five and twenty-five years.

A secured loan is the perfect way to borrow between Ł5,000 and Ł75,000 at a low rate. Obviously the better your credit history and individual circumstances will affect the rate which is offered to you. You can be approved for a secured loan even if you have mortgage arrears, retired or have county court judgements.

The consequences of not being able to keep up your payments are much more serious than with an unsecured loan. The danger with a secured loan is if you are unable to keep up the repayments on your loan your home which secured the loan could be in danger. Should you fall into difficulties or are unable to make the repayments on your loan you will sooner or later lose your home.

This is why before taking out a secured loan it is vital that you consider your debt problems seriously and make sure that you have budgeted fully and can cover the loan repayments.

You may freely reprint this article provided the author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

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Schumer asks feds to include student loans in bailout - Newsday

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Fannie Mae to buy loans from FHLB of Chicago - Forbes

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/4i-0fd=Rurl=http://www.nytimes.com/2008/10/05/business/05fannie.htmlcid=1255178241ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNHPO2qIGhhMfyS0i9n2COyux2l0VAimg src=http://news.google.com/news?imgefp=tKiBBhYqBLAJimgurl=graphics8.nytimes.com/images/2008/10/04/business/05fannie-600.jpg width=80 height=44 alt= border=1brfont size=-2New York Times/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/4-0fd=Rurl=http://www.forbes.com/feeds/ap/2008/10/07/ap5519744.htmlcid=1255178241ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNGa_UF9dEZFaCKWPXgQOonW66ZAYgFannie Mae to buy bloans/b from FHLB of Chicago/abrfont size=-1font color=#6f6f6fForbes,nbsp;NYnbsp;-/font nobr3 hours ago/nobr/fontbrfont size=-1AP 10.07.08, 12:31 PM ET Fannie Mae said Tuesday it will buy mortgages from the Federal Home bLoan/b Bank of Chicago under an agreement with the bank. b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/4-1fd=Rurl=http://www.newuniversity.org/main/article%3Fslug%3Dthe_bailout%253A_why_you163cid=1255178241ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNGtfAzwBl2XlgvNH-vu4_3RfxkBMAThe Bailout: Why You Should Care/a font size=-1 color=#6f6f6fnobrNew University Online/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/4-2fd=Rurl=http://www.marketwatch.com/news/story/lockhart-says-freddie-fannie-may/story.aspx%3Fguid%3D%257BCBD88D67-EA59-4E5D-8648-2C59EEC2437A%257D%26dist%3Dmsr_2cid=1255178241ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNH9Glp_eAgsH0z0glW7zf3eOt6G4QLockhart says Freddie, Fannie may sell bad assets: report/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/4-3fd=Rurl=http://www.nytimes.com/2008/10/05/business/05fannie.htmlcid=1255178241ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNHPO2qIGhhMfyS0i9n2COyux2l0VAPressured to Take More Risk, Fannie Reached Tipping Point/a font size=-1 color=#6f6f6fnobrNew York Times/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/4-4fd=Rurl=http://www.dallasnews.com/sharedcontent/dws/bus/stories/DN-mortgages_05bus.ART.State.Edition1.26e441e.htmlcid=1255178241ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNFb3TjyjBSAmoEOwwwXMUL7zDXs-QnobrDallas Morning News/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/4-5fd=Rurl=http://www.twincities.com/ci_10650793%3Fsource%3Dmost_emailedcid=1255178241ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNG7TjLINVs-qqTwBAFE0bwWHaB49QnobrPioneer Press/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255178241hl=ennobrall 50 news articles/nobr/a/font/div/font/td/tr/table

Study: Losses on new loans hit record highs - Bizjournals.com

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/5-0fd=Rurl=http://www.bizjournals.com/jacksonville/stories/2008/10/06/daily20.htmlcid=1255145355ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNEdUrbIT2qL3hQZZ9KQSrn6P4_M3wStudy: Losses on new bloans/b hit record highs/abrfont size=-1font color=#6f6f6fBizjournals.com,nbsp;NCnbsp;-/font nobr1 hour ago/nobr/fontbrfont size=-1Mortgage companies nationwide lost an average of $560 on every bloan/b they originated last year, according to the Mortgage Bankers Associationâ€™s 2008 cost b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/5-1fd=Rurl=http://www.financialweek.com/apps/pbcs.dll/article%3FAID%3D/20081007/REG/810079981/1036cid=1255145355ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNEcjDaMR6WLNyoJW50S3gVofn0iCgMortgage banks lost an average of $560 on each home bloan/b b.../b/a font size=-1 color=#6f6f6fnobrFinancialWeek (subscription)/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/5-2fd=Rurl=http://www.dsnews.com/view_story.cfm%3Fid%3D2983cid=1255145355ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNHkXaCdSrap5WvQuiFke7INv_PELwMBA Releases Annual Cost Study: $560 Lost on Every bLoan/b Originated b.../b/a font size=-1 color=#6f6f6fnobrDSNews.com/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255145355hl=ennobrall 25 news articles/nobr/a/font/div/font/td/tr/table

ND delegation says co-ops getting $400M in loans - Forbes

Fed auctions $138 billion to banks at 1.39% - MarketWatch

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/7i-0fd=Rurl=http://www.nwcn.com/business/stories/NW_100708BUB_fed_details_bank_loans_JM.ec4cd53c.htmlcid=1255213936ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNFsgP8yFOYJo2RdEn4x4OywsHIhJwimg src=http://news.google.com/news?imgefp=QpmU2oXNwJIJimgurl=www.nwcn.com/business/stories/M_IMAGE.11beb4b9125.93.88.fa.d0.ec4fb87b.jpg width=80 height=60 alt= border=1brfont size=-2Northwest Cable News/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/7-0fd=Rurl=http://www.marketwatch.com/news/story/fed-auctions-138-billion-banks/story.aspx%3Fguid%3D%257B5E340100-B1C4-437B-B576-943411A8E5DB%257D%26dist%3Dhpmpcid=1255213936ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNHskAxGizmsC5BaKFcLjtiw7Bmt1QFed auctions $138 billion to banks at 1.39%/abrfont size=-1font color=#6f6f6fMarketWatchnbsp;-/font nobr5 hours ago/nobr/fontbrfont size=-1Seventy-one banks bid for the bloans/b. One trader speculated that more banks may not have been able to corral the collateral for the larger auction in time. b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/7-1fd=Rurl=http://www.rttnews.com/Content/AllEconomicNews.aspx%3FNode%3DB2%26Id%3D733475cid=1255213936ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNFoQS0RwoSC47eUr7EVFtrj4XjEiAFed Announces Schedule For Upcoming TAF Auctions/a font size=-1 color=#6f6f6fnobrRTT News/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/7-2fd=Rurl=http://www.marketwatch.com/news/story/financial-stocks-jump-after-feds/story.aspx%3Fguid%3D%257BA0F08A0F-14E1-40C5-9AB0-002CF4EB5ABD%257D%26dist%3Dmsr_10cid=1255213936ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNGJtrgWzh1gPO7-B5iKUj3F2FdGhwFinancial stocks jump after Feds sets commercial paper buy/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/7-3fd=Rurl=http://www.marketwatch.com/news/story/global-central-banks-set-regular/story.aspx%3Fguid%3D%257BD5836F88-F22F-4FEA-9664-F0FC70170E44%257D%26dist%3Dmsr_2cid=1255213936ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNHkhomTTP3Xwjqouk7ChEjmY35q6wGlobal central banks set regular dollar auctions: Fed/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255213936hl=ennobrall 167 news articles/nobr/a/font/div/font/td/tr/table

Trying to Ease Credit, IRS Eases Loan Regulations - New York Times

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/8i-0fd=Rurl=http://www.economicnews.ca/cepnews/wire/article/131309cid=1254716355ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNHEJ3e0O62Lq-It8O9jcnMM1a9k1Aimg src=http://news.google.com/news?imgefp=3qr1TO02A8sJimgurl=www.economicnews.ca/cepnews/img/article/missing.jpg width=80 height=60 alt= border=1brfont size=-2CEP News/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/8-0fd=Rurl=http://www.nytimes.com/2008/10/07/business/07tax.htmlcid=1254716355ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNEci-FqqQ_Hae1c0X4atp71tt1AHQTrying to Ease Credit, IRS Eases bLoan/b Regulations/abrfont size=-1font color=#6f6f6fNew York Times,nbsp;United Statesnbsp;-/font nobr5 hours ago/nobr/fontbrfont size=-1That money could help combat a core problem of the credit crisis: the reluctance by banks to give companies the short-term bloans/b needed for daily business. b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-1fd=Rurl=http://ap.google.com/article/ALeqM5jb4ldyoiGMMZf2uHRGtiEZAN9ABgD93LOIQO1cid=1254716355ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNH4NDOavEpYZtsguvFom-60Nt70yAIRS eases tax rules on US firms with foreign units/a font size=-1 color=#6f6f6fnobrThe Associated Press/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/8-2fd=Rurl=http://www.bizjournals.com/phoenix/stories/2008/10/06/daily22.htmlcid=1254716355ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNFGKHSM_rqVPXCGw5t89Jia_pE-1wIRS offers bloan/b break for businesses/a font size=-1 color=#6f6f6fnobrBizjournals.com/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1254716355hl=ennobrall 110 news articles/nobr/a/font/div/font/td/tr/table

Fed eyes plan to fund short-term business loans - The Associated Press

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=Tct=us/9i-0fd=Rurl=http://www.csmonitor.com/2008/1008/p01s01-usec.htmlcid=1254976631ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNFhnuWNBNAKXxbnbB9DhPNsUZFwcgimg src=http://news.google.com/news?imgefp=DWyYeGZGAKQJimgurl=www.csmonitor.com/2008/1008/csmimg/ASUPERFED_P1.jpg width=80 height=61 alt= border=1brfont size=-2Christian Science Monitor/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/9-0fd=Rurl=http://ap.google.com/article/ALeqM5jC0Js_XMSCt-GDAijc3qIbjuVZIAD93LEPVO0cid=1254976631ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNGBkEHHr71jujSyJICiIO5C9wuJ_QFed eyes plan to fund short-term business bloans/b/abrfont size=-1font color=#6f6f6fThe Associated Pressnbsp;-/font nobr14 hours ago/nobr/fontbrfont size=-1To help ease credit stresses, the Fed announced Monday it will provide as much as $900 billion in cash bloans/b to squeezed banks. It said 28-day and 84-day b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-1fd=Rurl=http://www.thomsonmergernews.com/story.asp%3Fsectioncode%3D722%26storycode%3D280229cid=1254976631ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNF8m7uXZHAlRHpr9v3QHZExXSRZsgFed ponders unsecured bloans/b/a font size=-1 color=#6f6f6fnobrThomson Merger News (subscription)/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-2fd=Rurl=http://www.csmonitor.com/2008/1008/p01s01-usec.htmlcid=1254976631ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNFhnuWNBNAKXxbnbB9DhPNsUZFwcgFed makes boldest move yet/a font size=-1 color=#6f6f6fnobrChristian Science Monitor/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/9-3fd=Rurl=http://www.kapptv.com/news/%3Fsect_rank%3D1%26section_id%3D22%26story_id%3D7595cid=1254976631ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNHo-vZNUiDUKN2jS-NBnn17UoBIAgFed is pumping $99 billion into short term bloans/b/a font size=-1 color=#6f6f6fnobrKAPP/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/9-4fd=Rurl=http://ftalphaville.ft.com/blog/2008/10/07/16721/fed-eyes-drastic-move-into-unsecured-loans/cid=1254976631ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNEAEkAgCSeUUWeA8QvnbuG_tzSj-gnobrFT Alphaville/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/9-5fd=Rurl=http://news.moneycontrol.com/india/news/economy/fed-offers-banks-36900bn-cash-loans-to-infuse-liquidity/10/07/359983cid=1254976631ei=Ub7rSKvHBZ7M8AS-ntCMCQusg=AFQjCNGmvyH9D21vzN7JPK9e2wVYJzQNMQnobrMoneycontrol.com/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1254976631hl=ennobrall 1,441 news articles/nobr/a/font/div/font/td/tr/table

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