Halifax Secured Loans
This lender page keeps the focus on Halifax and the sort of details a homeowner may want to have ready before making an enquiry.
A second charge or homeowner loan can be considered where the existing mortgage stays in place and the extra borrowing has a clear purpose. With Halifax, the sensible starting point is still the full property picture.
Another named-lender page to compare is secured borrowing with Cambridge Building Society.
Useful details to have ready
The figures matter more than a long explanation. Once the value, mortgage balance and loan amount are clear, the case can be placed more sensibly.
For borrowers comparing credit-aware routes, the page at fixed-rate poor credit homeowner loans keeps the next step related.
Property and loan fit
The property still drives the loan, even on a lender-led page. Value, equity and ownership decide how much room there is before product choice comes into it.
A related page to compare is fixed-rate unregulated homeowner loans, because it sits close to the same homeowner-loan subject.
A few sensible comparisons
When comparing pages, look for the detail that matches the enquiry: lender name, property type, credit background, loan-to-value or the purpose of the money.
For borrowers comparing credit-aware routes, the page at first time borrower secured loan guidance keeps the next step related.
A useful lender-specific follow-up can be found in First Direct loans with free valuation, particularly where the borrower is still narrowing down the route.
Using the form above
The form is easiest to complete when the borrower already knows the approximate value, the current mortgage balance and the amount they want to raise.
Extra paperwork can come later. At the start, the figures and the borrowing reason matter most.
Lender details
For reference, the lender details below use ordinary external links to the relevant public pages.
Halifax is listed here for reference as Bank of Scotland plc. Financial Services Register number: 169628. Company or society number: SC327000. Registered or principal office: The Mound, Edinburgh, EH1 1YZ. Website: https://www.halifax.co.uk; contact page: https://www.halifax.co.uk/helpcentre/call-us.html; phone: 0345 720 3040.
Harpenden Building Society is listed here for reference as Harpenden Building Society. Financial Services Register number: 157260. Company or society number: building society. Registered or principal office: Mardall House, 9-11 Vaughan Road, Harpenden, Hertfordshire, AL5 4HU. Website: https://www.harpendenbs.co.uk; contact page: https://www.harpendenbs.co.uk/head-office/; phone: 01582 765411.