Loans, Mortgages & Protection Kept Simple
Low costs. Great rates. Expert help.
A home to buy. Plans to fund. People to protect.
Start with what you want to do. We’ll connect you with an expert who can help you compare your options and understand the costs.
What would you like to do?
- See if you could lower monthly debt repayments
- Fund a new kitchen, extension or home renovation
- Find a mortgage for your first home or next move
- Review your mortgage before your current deal ends
- Bridge the gap between buying and selling a property
- Help protect your family’s finances and income
Consolidating debts may reduce monthly outgoings, but could extend the term and increase the total amount repaid.
“I will be saving over £300 per month plus I will finally be able to do my kitchen.”
Keep costs down.Get expert help all the way.
Up to 50%lower broker fees
On secured loansCompared with all other major brokers.
Expert helpfrom start to finish
An expert adviser to explain your options, answer your questions and guide your application.
7,500+ 5-Star Group Reviews
The fee comparison applies to secured loans. Fees can be added to the loan; doing so increases the amount borrowed and the interest you pay.
A few things you might be wondering.
Not sure which option is right for you?
Start with what you want to achieve, whether that’s lower monthly repayments, a home improvement or your next move. You don’t need to know the product name. Tell us a little about your plans and an adviser can help you compare the options that fit your circumstances.
Will getting started affect my credit score?
Our initial check won’t affect your credit score and doesn’t commit you to borrowing. If you decide to go ahead, a lender may carry out a full credit check, which can leave a record on your credit file. Your adviser will explain the next steps before you proceed.
Can I borrow more without changing my mortgage?
A secured loan, also called a second charge mortgage, is a separate loan secured against your home. Your existing mortgage stays in place. A remortgage replaces your current mortgage instead. An adviser can compare the payments, fees and total cost of the options available to you. Your home is at risk if you don’t keep up repayments.
Will I have to pay anything upfront?
Getting your initial quote is free. For secured loans, there are no upfront broker fees and no broker fee if the loan doesn’t complete. Lender fees and costs for other products can differ. Your adviser will explain the full costs and when they’re payable before you decide.
What happens after I send my details?
An adviser will get in touch to understand your plans and talk through suitable options. You’ll be able to ask about the monthly payment, fees, total cost and anything you’re unsure of. If you want to proceed, you’ll get help with the application and paperwork, with updates along the way.
Can you help me protect my family and income too?
Yes. You can explore life insurance, critical illness cover and income protection. An adviser can explain what each policy covers, what it doesn’t and how much it costs, so you can choose cover that suits your family and budget. You don’t need to be taking out a loan or mortgage to ask about protection.
Let’s find out what’s possible.
Tell us what you want to do. Get the options and expert help to take the next step.
Free initial quote. No credit impact from your initial check.
No commitment to go ahead.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.
Secured loan representative example
If you borrow £18,000 over 10 years, initially on a fixed rate for 5 years at 7.4% and for the remaining 5 years on the lender's standard variable rate of 7.9%, you would make 60 monthly payments of £249.27 and 60 monthly payments of £254.63. The total amount of credit is £19,657 (including a lender fee of £595 and a broker fee of £1,062). The total amount repayable would be £30,234. The overall cost for comparison is 10.42% APRC representative. This means 51% or more of customers receive this rate or better for this type of product.
Secured loan terms: minimum 36 months to maximum 360 months (3 to 30 years). Maximum APRC charged 29%. If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
Albot is an introducer and technology platform, not a lender and not a broker. Applications may be passed to Loan.co.uk Ltd, which acts as a credit broker, not a lender. Rates are subject to status, affordability and lender criteria.