“From initial contact,
to the completion of
the loan, I was made
to feel relaxed and
confident, nothing
was too much trouble.”
Mr S.

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are you a homeowner? *

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Use this quick form and one of our friendly brokers will contact you - we don't charge you a fee, there's no obligation and no credit check without your permission.
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Secured loans and second mortgages

If you are a homeowner, with a secured loan or second mortgage you can get a larger loan or a better interest rate than with an unsecured loan.

A secured loan is a second mortgage on UK or Northern Ireland residential property. To qualify you must have an income - from employment or self-employment or from another source. Even benefits or a student grant count as income.

Even if you can't prove your income we can still help you.

Click on the link for details on how to prove you income.

Do you have a poor credit history?

If you have a poor credit history a secured loan may be a better option than an unsecured loan. Even with a poor credit history or CCJs you can still get a secured loan at a reasonable rate.

What you can borrow

You may be able to borrow up to 125% of your equity in your property if your credit history is good. Our loans range from as little as £3,000 to as much as £150,000.

Rates start from 5.9% APR.
Our lenders' typical rate is 11.4% APR.
The maximum rate any of our customers pay is 19.9% APR.

Zebra Loans will help you to arrange the package that best fits your budget and circumstances. Take a look at our secured loan or second mortgage features.

For a FREE no obligation quote fill in the Application Form, email us or phone Zebra on 0870 2250130
to find out how we can help you.

Use our loan calculator to work out what your monthly repayments might be for various loan amounts.

Our typical fee for arranging a secured loan/second mortgage is £495.

What you can borrow for

You can borrow for virtually anything, such as:

debt consolidation
funding a special purchase or project.
paying for a once-in-a-lifetime dream.

Whatever your needs or goals – we can help you to achieve them with a secured loan.

From home improvements to purchasing a new car. From buying a holiday home to paying for cosmetic surgery.

Whatever your dreams – a secured loan can help you to turn them into reality.

Secured loan features

The features of your secured loan will depend on your circumstances. They may include:

Fixed or variable interest rate
Repayment period from 5 years to 30 years
Repayment breaks of up to 3 months
Underpayment
Overpayments to clear early
Further advances
Portable to new property if you sell your current property
Early payoff (with penalty of 1 month's interest; there may be higher penalties for loans over £25,500)

Proving your income

Employed
You can prove your income with any of the following:

latest payslips and corresponding bank statements showing salary paid into your account
employer's letter plus bank statements showing salary paid in
recently issued P60 or P45 form.

Any allowances you receive such as car, on-call, guaranteed shift, etc allowance count as income. Maternity pay, benefits, pensions and student grants count too.

Self-employed
You can prove your income with any of the following:

Customs & Revenue SA302 form
signed certified chartered accountant's report confirming finalised 12 months' taxable income (dated within last 18 months)
accountant's certificate on their letterhead confirming finalised 12 months' taxable income (dated within last 18 months)

Self-certification
Self-certification allows you to declare your income without providing proof. A growing number of lenders provide self-certification for both employed and self-employed.

home • unsecured loans • secured loans • debt consolidation • debt management • contact us

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ON ANY OTHER DEBT SECURED ON IT.

Our typical APR is 11.4% variable. The actual rate will depend on your circumstances. Ask for a personalised illustration.

Information on this site must not be construed as legal or financial advice on specific matters. All information is a public resource of general information, which is intended to be accurate, complete and up to date but is not guaranteed to be so. Your use of information on the Website or materials linked to the Website is at your own risk.
This site is operated by Blithbury Data Management Ltd - Registered Office 4A Eastgate Street, Stafford, ST16 2NQ
Blithbury Data Management Ltd is a limited company registered in Wales UK and is registered under the Data Protection and Consumer Credit Acts. Company registration number: 541908 (Cardiff).

Zebra Loans specialise in: debt consolidation loans, unsecured loans, secured loans and second mortgages, debt management packages and IVAs