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Secured Loans

Everyone's finances are different. We always treat our customers as individuals and we will take as much time as necessary to understand and fulfill your precise needs. So whether you are in employment or self-employment, we are able to help you. We will source the lenders to provide the very best loan for your own individual circumstances. Maybe we can offer you fixed repayments for a number of years, or even a loan over a longer period of time

We also understand how complex personal finance can appear. So we will do our very best to simplify and explain things with you. Secured loans enable the borrower to secure a loan against their property, whether it is mortgaged or owned outright. Loans secured against an already mortgaged property are second charge, and a loan secured against an outright owned property with no existing mortgage is identified as first charge.

We take no upfront fees in processing our Secured Loans, with market leading rates from a whole-of-market panel. Our average turnaround is 17 days to completion, so you can be certain of the most efficient service and best, market-leading product is chosen for each of your requirements

The Mortgage Files is an appointed representative of Julian Harris Mortgages Limited, Julian Harris House, Musgrove, Ashford, Kent, TN23 7UN, which is authorised and regulated by the Financial Conduct Authority. Julian Harris Mortgages Limited FCA Register number is 304155.

Think Carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients.  Full details of the FOS can be found on its website at