Secured Loans in Lytham St Annes

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

Lytham St Annes 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 1,350 property transactions in Lytham St Annes during 2022 with an average sale price of £270,718. 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 Lytham St Annes 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 Lytham St Annes, either leave your details on our contact page and we will get straight back...

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Lytham St Annes Quick Facts

Based on 738 registered sales in 2022, the median house price in Lytham St Annes is £222,250 and the average price is £262,099.

In Lytham St Annes the median house price of £222,250 during 2022 is a 3.37% increase on the 2021 median price of £215,000. The 2022 median price is a 28.84% increase on the median price 10 years ago in 2013 of £172,500.

In Lytham St Annes during 2022 there have been 738 sales, including 126 terraced houses, 132 detached houses, 198 semi detached houses, 248 flats/maisonettes and 34 other properties.

Lytham St Annes Previous Month Prices

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

Sample Sales Average Change Median Change
Nov 2022 7 £343,500 37.9% £267,500 10.9%
Oct 2022 48 £249,143 6.8% £241,250 13%
Sept 2022 74 £233,331 -30% £213,500 -19.4%
Aug 2022 69 £333,505 17% £265,000 8.7%
Jul 2022 96 £285,043 3.3% £243,750 12.3%
Jun 2022 74 £276,030 2.2% £217,000 -14.9%
May 2022 61 £270,156 17.7% £255,000 34.2%
Apr 2022 73 £229,563 -4.1% £189,950 -2.6%
Mar 2022 78 £239,383 -2.3% £194,925 -7.2%
Feb 2022 62 £245,027 1.4% £210,000 -10.3%
Jan 2022 62 £241,682 -2.3% £234,000 19.1%
Dec 2021 83 £247,384 -5.3% £196,500 4.8%
Nov 2021 90 £261,272 17.5% £187,500 0.1%

Sample Sales Average Change Median Change
Nov 2022 1 £780,000 78.9% £780,000 101.3%
Oct 2022 7 £435,929 7.5% £387,500 18.3%
Sept 2022 12 £405,495 -22.1% £327,500 -12.7%
Aug 2022 13 £520,423 18.1% £375,000 8.7%
Jul 2022 21 £440,562 -5.7% £345,000 -29.6%
Jun 2022 11 £467,405 25.1% £490,000 50.8%
May 2022 15 £373,482 -6.7% £325,000 8.4%
Apr 2022 13 £400,488 25.4% £299,950 -1.5%
Mar 2022 12 £319,378 -29.1% £304,500 -23.6%
Feb 2022 13 £450,446 26.4% £398,400 29.1%
Jan 2022 14 £356,350 -9.4% £308,500 -14.3%
Dec 2021 15 £393,467 -33.5% £360,000 -7.7%
Nov 2021 12 £591,254 57.1% £390,000 17.1%

Sample Sales Average Change Median Change
Nov 2022 2 £327,500 8.2% £327,500 24.5%
Oct 2022 12 £302,579 20.3% £263,000 15.6%
Sept 2022 14 £251,571 -15.9% £227,500 -9.9%
Aug 2022 25 £299,076 6.8% £252,500 5.2%
Jul 2022 24 £280,144 -3% £240,000 9.1%
Jun 2022 28 £288,870 12.4% £220,000 7.3%
May 2022 23 £257,036 3.3% £205,000 -14%
Apr 2022 16 £248,747 -5.6% £238,250 7.8%
Mar 2022 24 £263,517 22.4% £221,000 3.4%
Feb 2022 16 £215,218 -13.6% £213,750 -20.5%
Jan 2022 14 £248,961 2.4% £269,000 35.7%
Dec 2021 24 £243,169 -2% £198,225 -13.1%
Nov 2021 20 £248,092 -11.2% £228,000 -13.1%

Sample Sales Average Change Median Change
Nov 2022 2 £226,500 11.6% £226,500 -4%
Oct 2022 9 £202,994 -9% £236,000 14%
Sept 2022 20 £223,048 -36.2% £207,000 -26.1%
Aug 2022 13 £349,538 11.8% £279,995 5.7%
Jul 2022 21 £312,519 4.2% £265,000 10.4%
Jun 2022 13 £299,846 -4.7% £240,000 -16.5%
May 2022 5 £314,690 67.8% £287,500 79.7%
Apr 2022 16 £187,497 -32.5% £160,000 -30.6%
Mar 2022 12 £277,917 26.2% £230,500 -1.1%
Feb 2022 6 £220,167 -17.4% £233,000 11%
Jan 2022 9 £266,667 17% £210,000 12.3%
Dec 2021 10 £227,955 -7.3% £186,975 -4.1%
Nov 2021 20 £245,814 32.6% £195,000 1.3%

Sample Sales Average Change Median Change
Nov 2022 2 £258,250 49.7% £258,250 94.2%
Oct 2022 20 £172,472 9.3% £133,000 1.5%
Sept 2022 28 £157,772 -32.8% £131,000 -12.7%
Aug 2022 18 £234,747 45.9% £150,000 16.7%
Jul 2022 30 £160,867 7.3% £128,500 -6.5%
Jun 2022 22 £149,930 -20.4% £137,500 -15.5%
May 2022 18 £188,444 15.4% £162,750 25.2%
Apr 2022 28 £163,280 -5.4% £129,950 29.1%
Mar 2022 30 £172,663 2% £100,625 -32.9%
Feb 2022 27 £169,311 3% £150,000 -3.8%
Jan 2022 25 £164,398 -14.2% £156,000 1%
Dec 2021 34 £191,626 11.3% £154,500 30.4%
Nov 2021 38 £172,139 29.6% £118,500 4.4%

Lytham St Annes House Price Information

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

Lytham St Annes House Price Data

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Lytham St Annes Yearly Price Changes

Year on year percentage changes in Lytham St Annes.

Lytham St Annes 2022 Price Distribution

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