Secured Loans in St Leonards-on-sea

If you are looking for independent broker advice to arrange a secured loan in St Leonards-on-sea then we can help.

St Leonards-on-sea 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 1,231 property transactions in St Leonards-on-sea during 2022 with an average sale price of £296,985. 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 St Leonards-on-sea 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 St Leonards-on-sea, either leave your details on our contact page and we will get straight back...

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0141 280 3366

St Leonards-on-sea Quick Facts

Based on 682 registered sales in 2022, the median house price in St Leonards-on-sea is £275,000 and the average price is £298,475.

In St Leonards-on-sea the median house price of £275,000 during 2022 is a 7.84% increase on the 2021 median price of £255,000. The 2022 median price is a 83.33% increase on the median price 10 years ago in 2013 of £150,000.

In St Leonards-on-sea during 2022 there have been 682 sales, including 144 terraced houses, 118 detached houses, 116 semi detached houses, 280 flats/maisonettes and 24 other properties.

St Leonards-on-sea Previous Month Prices

Average monthly housing prices in St Leonards-on-sea over the past year. The most recent months may not presently include all recorded sales.

Sample Sales Average Change Median Change
Nov 2022 13 £341,192 -5.5% £385,000 10%
Oct 2022 43 £360,881 14.3% £350,000 15.8%
Sept 2022 60 £315,724 -0.4% £302,250 3.3%
Aug 2022 56 £317,102 1.5% £292,500 3.9%
Jul 2022 72 £312,478 4.4% £281,500 5.2%
Jun 2022 58 £299,197 7.7% £267,500 1.9%
May 2022 53 £277,887 3.2% £262,500 1.4%
Apr 2022 56 £269,161 -5.8% £258,750 4.8%
Mar 2022 97 £285,864 4.2% £247,000 -3.7%
Feb 2022 86 £274,307 -6.5% £256,500 -6.7%
Jan 2022 64 £293,282 -3.2% £275,000 1.9%
Dec 2021 81 £303,039 14.1% £270,000 8%
Nov 2021 65 £265,539 -12.8% £250,000 0%

Sample Sales Average Change Median Change
Nov 2022 3 £417,667 -23.1% £406,000 -12.2%
Oct 2022 10 £543,444 2.3% £462,500 -10.2%
Sept 2022 9 £531,371 -1.1% £515,000 -2.5%
Aug 2022 12 £537,167 2.2% £528,000 8.9%
Jul 2022 12 £525,667 12.3% £485,000 4.3%
Jun 2022 12 £467,996 4.2% £464,975 12%
May 2022 9 £449,333 13.6% £415,000 3.8%
Apr 2022 10 £395,550 -15.4% £400,000 -1.2%
Mar 2022 17 £467,676 7% £405,000 -2.1%
Feb 2022 12 £437,042 -10.8% £413,750 -12.4%
Jan 2022 12 £489,900 -4.9% £472,250 3.6%
Dec 2021 14 £515,036 16.2% £456,000 0.2%
Nov 2021 9 £443,222 -5% £455,000 16.7%

Sample Sales Average Change Median Change
Nov 2022 5 £383,500 -18.4% £385,000 -16.3%
Oct 2022 6 £470,000 25.1% £460,000 28%
Sept 2022 10 £375,700 12.8% £359,500 4.2%
Aug 2022 7 £333,214 -11.3% £345,000 2.7%
Jul 2022 18 £375,806 10.8% £336,000 5%
Jun 2022 9 £339,222 5% £320,000 0.8%
May 2022 10 £323,100 1.7% £317,500 -3.1%
Apr 2022 12 £317,750 -12.9% £327,500 -0.5%
Mar 2022 10 £364,950 6.3% £329,000 17.1%
Feb 2022 13 £343,277 19% £281,000 -0.5%
Jan 2022 16 £288,578 -12.8% £282,475 -4.2%
Dec 2021 19 £331,039 17.5% £295,000 6.3%
Nov 2021 11 £281,656 -31.8% £277,500 -24%

Sample Sales Average Change Median Change
Nov 2022 1 £455,000 50% £455,000 51.7%
Oct 2022 11 £303,409 -7.8% £300,000 -0.5%
Sept 2022 17 £329,179 -1% £301,500 -7.2%
Aug 2022 11 £332,541 31.5% £325,000 21.6%
Jul 2022 16 £252,906 -15.6% £267,250 -1%
Jun 2022 11 £299,723 10.8% £270,000 2.9%
May 2022 9 £270,444 5.1% £262,500 2.9%
Apr 2022 13 £257,423 -12.6% £255,000 -1.5%
Mar 2022 24 £294,521 0.7% £259,000 -6.8%
Feb 2022 18 £292,528 6.3% £278,000 1.1%
Jan 2022 13 £275,153 -32.4% £275,000 -6%
Dec 2021 10 £406,790 44.8% £292,500 -0.8%
Nov 2021 15 £280,930 -12.8% £295,000 18%

Sample Sales Average Change Median Change
Nov 2022 4 £202,500 -17.5% £215,000 10.3%
Oct 2022 16 £245,372 22.5% £195,000 12.1%
Sept 2022 24 £200,335 -2.1% £174,000 -7.6%
Aug 2022 26 £204,663 -1.1% £188,300 5.8%
Jul 2022 26 £206,902 -0.1% £177,975 -12.5%
Jun 2022 26 £207,212 3.2% £203,500 7.1%
May 2022 25 £200,760 6.5% £190,000 5.6%
Apr 2022 21 £188,476 -4.3% £180,000 2.9%
Mar 2022 46 £196,963 -1.7% £175,000 -5.9%
Feb 2022 43 £200,414 -1.9% £186,000 -4.6%
Jan 2022 23 £204,217 11.2% £195,000 14.4%
Dec 2021 38 £183,632 -7.6% £170,500 -9.3%
Nov 2021 30 £198,629 16.6% £187,930 10.5%

St Leonards-on-sea House Price Information

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

St Leonards-on-sea House Price Data

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St Leonards-on-sea Yearly Price Changes

Year on year percentage changes in St Leonards-on-sea.

St Leonards-on-sea 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.