- Low Rate Secured Loans Natwest at 5.98% APR Rate
- Loan to Value up to 90%
- No lender fees, product fees, broker’s fees or advisor fees
- Ideal for homeowners wanting to borrow more than £13,000
- Loan term up to 25 years
A plainer look at NatWest-style secured borrowing
A secured loan can suit a homeowner who wants one clear monthly payment.
It can be used for larger plans.
Some people use it for home improvements.
Others use it to tidy up cards, store accounts and older loans.
For that kind of use, a NatWest debt consolidation route can be compared with other homeowner borrowing.
What people usually want to know first
Most borrowers start with the monthly payment.
That is sensible.
The rate matters, but the payment has to sit well with normal life.
The amount borrowed matters too.
A homeowner loan is often used for sums that feel too large for a small personal loan.
For smaller or quicker borrowing, some readers also compare bad credit loans with an instant decision.
For larger secured borrowing, property value and equity become more important.
Income still matters.
So does the term.
A longer term can make the payment feel easier.
A shorter term can clear the balance sooner.
Using the loan for one job
The page is mainly about secured borrowing.
That said, the reason for borrowing still shapes the deal.
A kitchen extension is different from a car purchase.
A debt tidy-up is different again.
Someone who wants to roll several balances together may prefer a dedicated debt consolidation loan page before choosing the route.
Existing mortgage customers may also look at a further advance.
It can be neat when the current lender is already familiar with the property.
Other borrowers prefer a separate secured loan.
That can leave the first mortgage alone.
Direct lenders, brokers and specialist lenders
Some borrowers like to speak to a bank.
Some prefer a direct lender.
Others compare both before they apply.
People who want to avoid a broker may read about bad credit loan lenders, not brokers.
That can make the fee position easier to understand.
It also keeps the conversation simple.
Some lenders will look beyond a thin or bruised credit file.
That is why a borrower with older issues may also compare CCJ loans from a direct lender.
For no-guarantor borrowing, the bad credit loans with no guarantor page may be useful.
Another option is a page about no credit check loans, especially where the reader wants a softer first look.
Homeowner borrowing with bad credit
A bad credit history does not always tell the whole story.
Income may be steady now.
The property may have useful equity.
The old credit issue may be settled.
That is why some readers look at secured loans for bad credit with an instant decision.
The first answer can help people decide whether to carry on.
It can also stop the page feeling like guesswork.
Comparing with other banks
Some readers land here because they are comparing bank names.
That is normal.
They may compare NatWest with a Halifax secured loan.
They may also want to read about HSBC secured loans.
Another reader may prefer the style of a Santander secured loan.
A homeowner who already banks elsewhere might compare with a TSB secured loan.
These pages are not all the same.
Read them for the parts that matter to your own plan.
A few details that change the monthly payment
Loan amount changes the payment.
So does the term.
The rate changes it again.
Fees can also alter the final cost.
Ask whether a lender fee, broker fee or valuation fee is being added.
Ask whether the payment is fixed.
Ask whether overpayments are allowed.
Those small details can make a loan feel very different in practice.
Some homeowners also compare secured borrowing with equity release under 55, especially if the aim is to use money tied up in the property.
That is a different type of product.
It is still worth understanding the difference.
Before using the form
Have a rough loan amount in mind.
Think about what the money is for.
Check the estimated value of the home.
Keep your mortgage balance nearby.
That is usually enough for a useful first look.
The form near the top of the page is there for that first step.
NatWest details
National Westminster Bank Plc is registered in England and Wales.
Company number: 00929027.
Registered office: 250 Bishopsgate, London EC2M 4AA.
Financial Services Register number: 121878.
NatWest loan and overdraft enquiries: 03457 888 444.
Overseas loan enquiries: +44 3457 888 444.
Relay UK: 18001 03457 888 444.
Support page: NatWest contact us.
What is a secured loan?
It is a borrowing linked to a property. Many people use this type of loan for larger amounts.
Can a secured loan be used for debt consolidation?
Yes. Some homeowners use a single loan to consolidate several payments into a single monthly payment.
Can I keep my current mortgage?
Many secured loan options sit behind an existing mortgage. This depends on the lender and the property details.
What helps with the first enquiry?
A rough loan amount, the property value and the current mortgage balance are useful starting points.