Secured Loans from Loan Logics
Review of Loan Logics’ secured loans. Find out their typical interest rates, amounts, and who they lend to.
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Spotlight on Loan Logics
Loan Logics is a UK-based lending and brokerage company known for a broad range of secured loan products. They're relatively young compared to some banks, but they've built a reputation for personal decisions and flexible borrowing, helping homeowners access funds even with hiccups in their credit file.
Secure borrowing done right
Although Loan Logics don't publish their exact loan amounts, loan-to-value (LTV) ratios, or interest rates, here are some general points they emphasise about their first- and second-charge mortgages (homeowner loans):
Manual, human underwriting
- No automated credit scoring or computer-based rejections.
- Focus on the borrower's full profile - not just their credit file.
- As a privately funded lender, they aren't bound by rigid institutional criteria.
- Can "think outside the box" and consider cases other lenders might not.
- Willing to lend where appropriate, even if you've been declined elsewhere.
Flexible repayments
- You can make extra payments at any time, in any amount, without fees.
- Payments can be made manually or by increasing your standing order.
Customer service
- Staff have 25+ years of experience in lending and broking.
- Speak to a real, friendly team member - not a call centre.
- Fair, relationship-focused approach - they aim to get to know you.
- If you face payment difficulties, you're urged to contact them early for help.
Fixed interest rates
- Loans come with a fixed rate for the full term, so you always know your monthly payments.
Broker-based process
- Loans are arranged via a dedicated network of brokers.
- Brokers help guide customers and provide all necessary documentation.
Summing up
Loan Logics offers secured loan options that focus on personalised lending backed by your property. While exact details will be provided during the application process, Loan Logics values clarity, responsible lending, and supporting your financial goals.
Frequently Asked Questions: Secured Loans
What does "secured loan" mean?
A secured loan uses an asset like your home as collateral, which can help you access larger loans and potentially lower interest rates than with unsecured loans.
Will applying affect my credit score?
Although they don't let your credit score make decisions for them, Loan Logics may still perform a credit check which can impact your credit score slightly in the short term.
Will applying affect my credit score?
Although they don't let your credit score make decisions for them, Loan Logics may still perform a credit check which can impact your credit score slightly in the short term.
Will applying affect my credit score?
Although they don't let your credit score make decisions for them, Loan Logics may still perform a credit check which can impact your credit score slightly in the short term.
Is my home at risk if I can't repay?
Because the loan is secured against your property, failure to keep up repayments could result in repossession. Always consider this carefully before accepting a secured loan.
Is my home at risk if I can't repay?
Because the loan is secured against your property, failure to keep up repayments could result in repossession. Always consider this carefully before accepting a secured loan.
Is my home at risk if I can't repay?
Because the loan is secured against your property, failure to keep up repayments could result in repossession. Always consider this carefully before accepting a secured loan.
Where can I get exact details about loan terms?
Loan Logics or authorised advisors will provide clear, personalised details during your application process.
Where can I get exact details about loan terms?
Loan Logics or authorised advisors will provide clear, personalised details during your application process.
Where can I get exact details about loan terms?
Loan Logics or authorised advisors will provide clear, personalised details during your application process.
Where can I get exact details about loan terms?
Loan Logics or authorised advisors will provide clear, personalised details during your application process.
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