We have access to lots of loan companies and rates depend on your financial situation and credit file as well as the Loan To Value (LTV), but start from as little as 7.9% (rate correct 21/02/2011) and can be available up to 90% LTV for employed applicants and 75% for self employed applicants.
Redemption penalties are normally just one months interest.
Secured loans are not regulated by the Financial Conduct Authority. We use a specialist 3rd party secured loan provider.