Tandem secured loans for UK homeowners up to 95% LTV with fixed rates and flexible repayments
Tandem secured loans let UK homeowners unlock up to 95% LTV of their property with fixed rates and flexible repayments tailored to everyday budgets
Why Tandem secured loans work for UK homeowners
Tandem secured loans offer UK homeowners a practical way to unlock property equity while keeping predictable monthly costs. With fixed rates and flexible repayments, Tandem Bank positions these secured loans as a solid option for people balancing everyday budgets and long-term plans.
Choosing a secured loan from Tandem means you can access larger amounts than with unsecured credit, because your property acts as collateral. That makes Tandem secured loans particularly attractive for homeowners who need significant funds for consolidation, renovations or large life events.
Key features: up to 95% LTV and fixed rates
Tandem secured loans stand out by allowing borrowing up to 95% LTV, so many UK homeowners can tap substantial equity without remortgaging. The fixed rates make budgeting straightforward: you know exactly what you’ll pay each month over the term.
Alongside the 95% LTV cap, Tandem offers loan amounts typically from £10,000 up to the lender’s upper limit and terms from five to 25 years. Fixed rates combined with long terms give flexible repayments that suit tighter household finances as well as those aiming to clear debt faster.
Repayment flexibility and eligibility essentials
Flexible repayments mean you can pick a term to match your cashflow — shorter to cut interest or longer to lower monthly outgoings. Tandem secured loans usually come with clear early repayment terms, so check for any charges before committing.
Eligibility follows standard UK criteria: you must be a UK resident of the qualifying age with sufficient net income and property equity. Tandem is FCA-regulated, so applications typically need ID, proof of address, income statements and details of existing debts, often submitted via a broker for a quicker decision.
How to use a Tandem secured loan and next steps
Tandem secured loans can fund home improvements, consolidate high-interest debt, or cover major expenses — including green upgrades that may attract preferential rates. For many homeowners, using a secured loan to refinance expensive credit can improve monthly cashflow and reduce total interest paid.
Before applying, compare Tandem secured loans with other lenders on APR, fees and customer reviews to ensure the best fit. Speak to an independent adviser or mortgage broker to understand repossession risks and to get a tailored illustration that fits your financial plan.
