Clearly loans options for UK Homeowners

Products are called:

Clearly Loans Exclusive Secured Loan

Clearly Loans Exclusive High LTV Secured Loan

True to their names one loan product is a 95% LTV (loan to value) which accepts people with bad credit.  Terms are between 1 and 20 Years.

Lower loan to value loans have good competitive interest rates.  The high LTV product has a fairly high rate representing the risk.

Contact Ravenwood to discuss what the best lender is for you and your needs.  We can contact the lender direct and negotiate to get you a better deal.

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Lumpsum lifetime mortgage

flexible drawdown equity release

Lifetime mortgage with flexible drawdown

Seeking guidance when you want a quick remortgage

It is very regular to discover individuals searching for poor credit remortgage lenders, bad debt remortgage broker or high risk remortgage companies however mortgage lenders like Furness Building Society are keen to see evidence of affordability in the form of accounts, investment statements or p60.

Evidence of income:

Secured loan lenders such as Clearly Loans, Shawbrook or Shawbrook often accept paperwork to show income with

  • accountants certificate
  • wage slips

Examples of bad credit

Loan companies such as Norton Finance, Together or United Trust Bank can often lend to people with

  • poor payment history
  • missed payments
  • disharged bankrupt

Arranging secured loans

It’s common to find cheaper to get a secured loan than a re finance.

  • Paragon Personal Finance
  • 1st Stop Home Loans
  • Spring Finance
  • Evolution Money
  • Shawbrook

A secured loan – bad credit can be achived through good personal earnings so the lender knows you can pay the payments.  A good stable job or business is great.

Finding bad credit history home purchase loans:

  • Hanley Economic Building Society
  • Masthaven
  • Precise Mortgages
  • Masthaven
  • Dudley Building Society
  • Precise Mortgages

Time to payback loan with Bluestone Mortgages

  • 2 years
  • 15 years
  • 30 Years


  • arrangement fees
  • product fee
  • product fee

Many people looking for homeowner loans bad credit are time wasters because their income is poor.

Finding help when you want a a 2nd charge loan

  • advisor
  • ifa

It’s often found to discover individuals searching for adverse credit mortgages, sub prime mortgage lenders or mortgage bad credit however loan companies like West Bromwich Building Society are keen to see paperwork to show income in the form of payslips, pension statements or p60s.

Loan to Value

Its usual to find individuals searching for loan to value of 50%, 85% or even as much as 95% however its hard to get 95%.

Getting help when you want a fast remortgage

It’s often found to find individuals looking for remortgage loans for low credit, high risk remortgage or remortgages poor credit history however lenders like Prestige are keen to see evidence of affordability in the form of pension statements, investment statements or state benefit letters.

Costs for 2nd charge secured loans

  • lender fees

Lenders terms and rates for Owner Occupied including for adverse credit

  • Cashback mortgages HSBC Direct

The mortgage lender will want to know if the property is a Freehold house or a Leasehold flat and if the occupier is a Owner Occupier Primary Residence.