Secured Loans in Congleton

If you are looking for independent broker advice to arrange a secured loan in Congleton then we can help.

Congleton Secured Loans Explained

A secured loan, also known as a second mortgage or homeowner loan, is a type of loan where the borrower uses their home as collateral. This means that the lender has a "second charge" on the property, behind the primary mortgage, in the event that the borrower is unable to repay the loan. Because the loan is secured against the property, interest rates on these loans tend to be lower than those on unsecured loans. This makes them a popular option for homeowners looking to borrow money at a lower cost.

Secured lending can be used for a variety of purposes, one of which is debt consolidation. Debt consolidation is the process of combining multiple high-interest debts, such as credit card balances or personal loans, into one single loan with a lower interest rate. By consolidating their debts into a single secured loan, homeowners can save money on interest and simplify their monthly payments.

Keep in mind, however, that when taking a secured loan, a homeowner is putting their property at risk in case of non-repayment. It is important to consider all options and seek professional advice before making any decision.

Did you know there were 858 property transactions in Congleton during 2022 with an average sale price of £291,019. Read More >

Secured Loan Uses

Secured Loans can be used for any purpose from home improvements to funding for business purposes. With lower interest rates than credit cards and unsecured loans they are often used for debt consolidation.

Applying for a Secured Loan

Secured loans often can be arranged without any impact on the first charge mortgage, ideal if you are happy with your current arrangement.

Whole of Market

As a broker we help our clients in Congleton find the most appropriate deal from the market no matter the circumstance.

Key Points

  • Borrow from £10,000
  • Quote in under 24 hours
  • Money as quick as 10 days

Get Expert Advice

If you are looking to get a quick decision on a secured loan in Congleton, either leave your details on our contact page and we will get straight back...

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Congleton Quick Facts

Based on 390 registered sales in 2022, the median house price in Congleton is £257,500 and the average price is £287,323.

In Congleton the median house price of £257,500 during 2022 is a 5.32% increase on the 2021 median price of £244,500. The 2022 median price is a 60.94% increase on the median price 10 years ago in 2013 of £160,000.

In Congleton during 2022 there have been 390 sales, including 92 terraced houses, 149 detached houses, 96 semi detached houses, 32 flats/maisonettes and 21 other properties.

Congleton Previous Month Prices

Average monthly housing prices in Congleton over the past year. The most recent months may not presently include all recorded sales.

Sample Sales Average Change Median Change
Nov 2022 5 £278,800 -15% £277,000 -13.4%
Oct 2022 19 £327,842 18.2% £320,000 25.5%
Sept 2022 29 £277,415 -19.6% £255,000 -26.4%
Aug 2022 32 £344,996 22.7% £346,500 21.6%
Jul 2022 41 £281,122 -3.2% £285,000 6.9%
Jun 2022 40 £290,482 14.9% £266,498 33.2%
May 2022 39 £252,840 -23.7% £200,000 -11.5%
Apr 2022 32 £331,180 23.2% £226,000 -16.3%
Mar 2022 55 £268,905 -1.8% £269,995 -0%
Feb 2022 47 £273,944 2.2% £270,000 6.2%
Jan 2022 30 £268,176 4.4% £254,250 1.7%
Dec 2021 58 £256,952 6.4% £250,000 38.9%
Nov 2021 59 £241,413 -4.2% £180,000 -14.3%

Sample Sales Average Change Median Change
Nov 2022 3 £345,667 -23.7% £375,000 -10.7%
Oct 2022 9 £452,944 -5% £420,000 -1.2%
Sept 2022 5 £476,700 12.7% £425,000 1.5%
Aug 2022 16 £423,026 8.6% £418,750 9.8%
Jul 2022 18 £389,389 -4.1% £381,500 3.7%
Jun 2022 19 £406,156 -1% £367,995 2.2%
May 2022 12 £410,292 -28.7% £360,000 -4.1%
Apr 2022 12 £575,583 49.6% £375,500 7.3%
Mar 2022 21 £384,757 -1.1% £350,000 -10%
Feb 2022 20 £389,018 2.8% £388,725 3.2%
Jan 2022 14 £378,478 1.1% £376,500 9.1%
Dec 2021 16 £374,527 -7.4% £345,250 -4.1%
Nov 2021 20 £404,490 -3.9% £360,000 1.4%

Sample Sales Average Change Median Change
Nov 2022 1 £248,000 7.7% £248,000 22%
Oct 2022 6 £230,250 -8.3% £203,250 -16.9%
Sept 2022 16 £251,130 -11.2% £244,625 8.7%
Aug 2022 6 £282,833 33.1% £225,000 12.5%
Jul 2022 13 £212,500 -23.5% £200,000 -11.1%
Jun 2022 3 £277,667 32.8% £225,000 25%
May 2022 9 £209,083 2.3% £180,000 -16.9%
Apr 2022 10 £204,300 -25% £216,500 -13.5%
Mar 2022 16 £272,500 22.9% £250,248 8.4%
Feb 2022 12 £221,750 8.8% £230,750 4.1%
Jan 2022 4 £203,850 -20.1% £221,750 -13.2%
Dec 2021 25 £255,179 39% £255,500 53.9%
Nov 2021 16 £183,600 -13.2% £166,000 -19%

Sample Sales Average Change Median Change
Nov 2022 1 £109,000 -43.5% £109,000 -41.1%
Oct 2022 4 £192,750 -20.4% £185,000 -30.6%
Sept 2022 5 £242,240 -6% £266,500 29.5%
Aug 2022 8 £257,681 41% £205,750 30.6%
Jul 2022 8 £182,750 11% £157,500 6.1%
Jun 2022 12 £164,567 -8.4% £148,500 -19.7%
May 2022 13 £179,615 -1% £185,000 19.4%
Apr 2022 7 £181,393 41.2% £155,000 12.7%
Mar 2022 16 £128,432 -23.5% £137,500 -8.9%
Feb 2022 11 £167,954 -1.7% £151,000 -11.2%
Jan 2022 7 £170,886 8.1% £170,000 21%
Dec 2021 13 £158,027 9.4% £140,500 -5.1%
Nov 2021 15 £144,500 -2.6% £148,000 9.6%

Sample Sales Average Change Median Change
Nov 2022 0 £0 0% £0 0%
Oct 2022 0 £0 0% £0 0%
Sept 2022 3 £144,083 -43.8% £145,000 -43.5%
Aug 2022 2 £256,500 75.4% £256,500 75.4%
Jul 2022 2 £146,250 -19.8% £146,250 19.4%
Jun 2022 6 £182,417 26.6% £122,500 -16.7%
May 2022 5 £144,100 14.4% £147,000 13.1%
Apr 2022 3 £126,000 -14.6% £130,000 -11.9%
Mar 2022 2 £147,500 0.6% £147,500 19.2%
Feb 2022 4 £146,625 -0.3% £123,750 -4.8%
Jan 2022 5 £147,000 23.3% £130,000 4.2%
Dec 2021 4 £119,238 -9% £124,750 -5.3%
Nov 2021 8 £131,062 8.4% £131,750 7.6%

Congleton House Price Information

For more information on house prices in Congleton, go to our dedicated Congleton house price page for charts and postcode sector comparisons.

Congleton House Price Data

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Congleton Yearly Price Changes

Year on year percentage changes in Congleton.

Congleton 2022 Price Distribution

Our Data

Contains HM Land Registry data © Crown copyright and database right 2023. This data is licensed under the Open Government Licence v3.0.