Products are called:
Clearly Loans Exclusive Secured Loan
Clearly Loans Exclusive High LTV Secured Loan
True to their names, one loan product offers a 95% LTV (loan-to-value) and accepts people with bad credit. Terms are between 1 and 20 Years.
Lower loan-to-value loans have reasonable, competitive interest rates. The high-LTV product has a relatively high interest rate, reflecting the risk.
Contact Ravenwood to discuss the best lender for you and your needs. We can contact the lender directly and negotiate to get you a better deal.
Clearly Loans and homeowner borrowing
Clearly Loans is usually considered where a homeowner wants to raise money without disturbing the main mortgage. That can be useful when the first mortgage has a favourable rate, an early repayment charge, or a term the borrower would rather leave alone.
Ravenwood can look at the wider market and compare the route with other secured loan options. The aim is to keep the conversation practical: how much is needed, what the property is worth, what is already owed, and what monthly payment feels comfortable.
Some people start with a named lender in mind. Others want a broad comparison first. For a second opinion on a similar lender, the notes on Central Trust homeowner secured loans may help set the scene.
Clearly Loans has been known for secured borrowing where the property has enough equity and the applicant wants a straightforward second charge loan. A broker can help present the case clearly, especially where the income is a mixture of salary, self-employed earnings, pension income, benefits, or other regular receipts.
When a secured loan may be worth comparing
A secured loan can sit behind the existing mortgage. That is why many homeowners compare it with a remortgage before making a decision. If the first mortgage is worth keeping, a separate homeowner loan can sometimes feel cleaner and easier to understand.
Borrowers who are comparing high street names may also want to read about Co-op Bank secured loan options. That page is useful where the search has started with a familiar bank name rather than a specialist secured-loan lender.
Where the purpose is to tidy up existing borrowing, a homeowner may want to compare Clearly Loans with debt consolidation secured loans. The figures should be looked at carefully, but the starting point is simple: one loan, one monthly payment, and a term that fits the household budget.
Other specialist lenders can also be relevant. For example, Equifinance homeowner loans may suit some enquiries, while a comparison with Clearly Loans can show whether the pricing, term and loan size are in the right area.
How Ravenwood can place the enquiry
Ravenwood will usually begin with the property, the mortgage balance, the amount needed and the reason for the loan. From there, it is easier to decide whether Clearly Loans should be approached first or whether another lender looks better on paper.
For homeowners who are comparing bank-branded pages, the guide to Halifax secured loan choices may be helpful. Halifax may be part of the search even when the eventual lender is a specialist second-charge provider.
A broader explanation of homeowner loans can also help if the borrower is still deciding between a second charge loan, a further advance, and a remortgage. The right route is often the one that keeps the monthly payment sensible and avoids changing more than necessary.
Some applicants prefer to compare lender names one by one. In that case, the page on Lloyds Bank secured loans gives another bank-style comparison point, especially for borrowers who want to understand how the market looks beyond Clearly Loans.
Specialist lender pages can sit beside that research. For example, Masthaven secured loan rates may be worth reading where the enquiry needs a lender used to more detailed affordability or property cases.
Ravenwood can also compare the position with Metro Bank secured loan options. This is useful where the borrower wants to know whether a bank route or a specialist route is more likely to give a suitable term.
Documents and the way the case is packaged
A secured loan lender will usually want a clean, organised application. That does not mean the case must be complicated. It normally means the basic figures need to be easy to follow, with income and property details set out properly from the start.
For borrowers who do not want to involve a guarantor, Ravenwood can compare the position with no guarantor secured loan routes. That keeps the enquiry centred on the homeowner, the property, and the loan’s affordability.
Some enquiries are stronger when they are shown to lenders used to varied circumstances. Norton Finance homeowner loans is another useful comparison page for people who want to see how different secured-loan providers are positioned.
Where the borrower started by looking at a bank, the notes on NatWest secured loan options can give another reference point. A named-bank search often leads to a wider market comparison once the figures are checked.
Comparing specialist secured-loan lenders
Clearly Loans should not be looked at in isolation. A suitable offer depends on the loan size, available equity, repayment term, evidence of income, and the purpose of the borrowing.
Ravenwood may compare Clearly Loans with Optimum Credit’s secured loans, especially where the enquiry suits a specialist second-charge lender rather than a standard bank approach.
For some homeowners, Paragon secured homeowner loans will also be included in the comparison. The choice is not just about rate; term, fees, loan size and the lender’s view of the property can matter just as much.
Where the borrower wants a lender used to specialist cases, it can be sensible to compare Pepper second charge loans. That helps show whether Clearly Loans is the best fit or whether the case is a better fit elsewhere.
The same applies to Precise homeowner loans. A properly packaged enquiry can make the lender comparison easier because each lender is looking at the same facts, not half-finished details.
Ravenwood can also compare Prestige Finance homeowner loans. This can be useful when the borrower wants to see how several specialist secured-loan providers line up before making a decision.
Past credit issues and loan structure
Past credit issues do not automatically stop a homeowner from asking what is possible. The important part is to present the current position clearly and match the enquiry with lenders that understand secured borrowing.
Ravenwood has a separate page for secured loans with past credit problems. It can be useful when the borrower wants a realistic comparison without applying to the wrong type of lender.
Another lender comparison may include Spring Finance secured loans. Spring can be useful for comparing against Clearly Loans when the borrower wants a second-charge loan arranged for a specific purpose.
For bank-style research, Ravenwood also has a page on Santander secured loan options. That gives a different angle for borrowers who began by searching for a familiar lender name.
Some cases also lead to a comparison with Together Money secured loans. This can help when the enquiry requires flexibility in property type, repayment term, or loan purpose.
What to check before applying
Before an application is sent, it is worth checking the current mortgage balance, any early repayment charge, the estimated property value, and the amount the borrower wants to raise. Those four points usually determine whether the enquiry should go to Clearly Loans or to another lender first.
Ravenwood may also compare United Trust Bank secured loans. UTB can be a useful benchmark for borrowers seeking to understand the specialist second-charge market.
Another comparison could involve Vida homeowner secured loans. This helps when the enquiry needs to be matched with lenders that look beyond a narrow high-street checklist.
Where the amount needed is larger, or the term needs careful shaping, West One second charge loans may also be part of the conversation. It is better to compare the structure of the loan than to focus only on one headline figure.
Some homeowners also compare Clearly Loans with older lenders by name and history. Ravenwood keeps a page on 1st Stop Home Loans, which can help where the borrower has seen that name during earlier research.
For borrowers looking at mortgage-linked lending as well as secured loans, Foundation Home Loans may be worth reviewing. It gives another point of comparison when the enquiry is still being shaped.
Clearly Loans company details
Clearly Loans Limited is authorised and regulated by the Financial Conduct Authority. Its firm reference number is 705119.
Clearly Loans Limited is registered in England and Wales. Its company number is 08054826. The registered office is Wisteria Grange Barn, Pikes End, Pinner, London, United Kingdom, HA5 2EX.
The postal address shown by Clearly Loans is Clearly Loans Limited, The Grange Barn, Pikes End, Pinner, London HA5 2EX. The Data Protection Act registration number shown by Clearly Loans is Z325370X.
You can call Clearly Loans on 01923 750 777 or email customerservices@clearlyloans.co.uk. Its usual office hours are Monday to Friday, 9am to 5pm.