Secured Loans from Norton Home Loans | Flexible Homeowner Lending
Borrow £3,000 to £350,000 over 1–25 years, even with poor credit or non-standard income. Learn about Norton’s rates from ~9–10% APR, and up to 85% LTV.
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Spotlight on Norton Finance
Norton Finance is a family-owned, independent finance broker based in Rotherham, UK. Established in 1974, they offer access to a broad range of secured loans for those who may not quality for mainstream lending, whether it's non-standard income, unusual property, or impaired credit.
Unlocking financial flexibility
If you're a homeowner seeking a loan but you've faced challenges with traditional lenders, Norton Home Loans offers a practical solution. Here are the key details:
- Minimum loan amount: £3,000
- Maximum loan amount: £350,000
- Loan terms: From 12 months to 25 years
- Interest rates: Norton's stated minimum rate is 10.06% (annual variable) and 9.05% (annual fixed)
- Loan-to-value (LTV) ratio: Up to 85% in some cases, including lender, broker, and other fees
Norton Home Loans criteria
Norton's secured loans (second-charge mortgages) are designed for various financial backgrounds and a range of purposes. Here's a summary of their main criteria:
- Minimum age: 21 years
- Maximum age: 84 years (unless income is not a factor in affordability)
- Loan uses: Borrow for any legitimate purpose
- Applicant range: Benefits or pensions income, self-employed, and applicants with poor credit are considered
Summing up
Norton Home Loans offers secured loan options for homeowners who may not fit the profile of traditional lenders. With competitive rates and flexible terms, they could be a viable solution for those looking to manage debt or achieve other financial goals - but remember your home is at risk if you don't keep up with repayment.
Frequently Asked Questions: Secured Loans
Who can apply for a loan with Norton Home Loans?
Norton Home Loans considers UK residents aged 18 to 84 who own property in England, Scotland, or Wales and want to borrow up to 85% of its value. They assess each case individually, even if you have a low credit score, past financial issues, or non-standard employment or housing.
Who can apply for a loan with Norton Home Loans?
Norton Home Loans considers UK residents aged 18 to 84 who own property in England, Scotland, or Wales and want to borrow up to 85% of its value. They assess each case individually, even if you have a low credit score, past financial issues, or non-standard employment or housing.
Who can apply for a loan with Norton Home Loans?
Norton Home Loans considers UK residents aged 18 to 84 who own property in England, Scotland, or Wales and want to borrow up to 85% of its value. They assess each case individually, even if you have a low credit score, past financial issues, or non-standard employment or housing.
Are Norton Home Loans interest rates competitive?
As a specialist lender for homeowners with poor credit, Norton's rates are higher than standard lenders but are still competitive for the specialist market. They offer “Optimal” plans with much lower rates, where clients can rebuild credit over time.
Are Norton Home Loans interest rates competitive?
As a specialist lender for homeowners with poor credit, Norton's rates are higher than standard lenders but are still competitive for the specialist market. They offer “Optimal” plans with much lower rates, where clients can rebuild credit over time.
Are Norton Home Loans interest rates competitive?
As a specialist lender for homeowners with poor credit, Norton's rates are higher than standard lenders but are still competitive for the specialist market. They offer “Optimal” plans with much lower rates, where clients can rebuild credit over time.
Are Norton Home Loans interest rates competitive?
As a specialist lender for homeowners with poor credit, Norton's rates are higher than standard lenders but are still competitive for the specialist market. They offer “Optimal” plans with much lower rates, where clients can rebuild credit over time.
What types of impaired credit does Norton Home Loans accept?
Credit issues over 12 months old generally don't impact your application with Norton, though they may ask for explanations. For previous mortgage arrears, debt management plans (DMPs), or individual voluntary arrangements (IVAs), a strong explanation is always needed.
What types of impaired credit does Norton Home Loans accept?
Credit issues over 12 months old generally don't impact your application with Norton, though they may ask for explanations. For previous mortgage arrears, debt management plans (DMPs), or individual voluntary arrangements (IVAs), a strong explanation is always needed.
What types of impaired credit does Norton Home Loans accept?
Credit issues over 12 months old generally don't impact your application with Norton, though they may ask for explanations. For previous mortgage arrears, debt management plans (DMPs), or individual voluntary arrangements (IVAs), a strong explanation is always needed.
How does Norton Home Loans handle CCJs and defaults?
Norton considers applicants with county court judgments (CCJs) or defaults more than 12 months old with no penalty, but they might ask for explanations if there are several. More recent CCJs or defaults may still be acceptable with a valid reason, and suitable plans may be available on inquiry.
How does Norton Home Loans handle CCJs and defaults?
Norton considers applicants with county court judgments (CCJs) or defaults more than 12 months old with no penalty, but they might ask for explanations if there are several. More recent CCJs or defaults may still be acceptable with a valid reason, and suitable plans may be available on inquiry.
How does Norton Home Loans handle CCJs and defaults?
Norton considers applicants with county court judgments (CCJs) or defaults more than 12 months old with no penalty, but they might ask for explanations if there are several. More recent CCJs or defaults may still be acceptable with a valid reason, and suitable plans may be available on inquiry.
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