Secured Loans in Widnes

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

Widnes 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 1,123 property transactions in Widnes during 2022 with an average sale price of £198,569. 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 Widnes 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 Widnes, either leave your details on our contact page and we will get straight back...

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Widnes Quick Facts

Based on 634 registered sales in 2022, the median house price in Widnes is £164,000 and the average price is £195,373.

In Widnes the median house price of £164,000 during 2022 is a 5.81% increase on the 2021 median price of £155,000. The 2022 median price is a 22.71% increase on the median price 10 years ago in 2013 of £133,650.

In Widnes during 2022 there have been 634 sales, including 233 terraced houses, 116 detached houses, 207 semi detached houses, 51 flats/maisonettes and 27 other properties.

Widnes Previous Month Prices

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

Sample Sales Average Change Median Change
Nov 2022 6 £172,333 -28.8% £163,000 -17.3%
Oct 2022 38 £242,013 2.5% £197,000 -10%
Sept 2022 53 £236,212 13.5% £219,000 13.2%
Aug 2022 57 £208,069 -4.5% £193,500 4.6%
Jul 2022 77 £217,952 25.4% £185,000 14.2%
Jun 2022 61 £173,846 8.8% £162,000 20.9%
May 2022 46 £159,809 -13.8% £134,000 -11.8%
Apr 2022 63 £185,495 6.7% £152,000 -2.6%
Mar 2022 82 £173,821 -10% £156,050 -2.5%
Feb 2022 77 £193,068 7.5% £160,000 12.7%
Jan 2022 47 £179,523 10.6% £142,000 9.2%
Dec 2021 61 £162,368 -8% £130,000 -13.3%
Nov 2021 87 £176,536 14.6% £150,000 20%

Sample Sales Average Change Median Change
Nov 2022 0 £0 0% £0 0%
Oct 2022 13 £399,154 7.3% £370,000 -0.3%
Sept 2022 16 £371,906 5.5% £371,000 14.2%
Aug 2022 10 £352,400 2.9% £325,000 16.1%
Jul 2022 20 £342,375 5.4% £280,000 -18.8%
Jun 2022 5 £324,800 0.4% £345,000 3%
May 2022 5 £323,600 -6.8% £335,000 -6.4%
Apr 2022 13 £347,231 14.3% £358,000 10.8%
Mar 2022 12 £303,917 -13.3% £323,000 -16.1%
Feb 2022 13 £350,462 3.4% £385,000 19.6%
Jan 2022 9 £339,000 14% £322,000 13%
Dec 2021 8 £297,250 -9.7% £285,000 -4.2%
Nov 2021 12 £329,333 5.4% £297,500 -10.8%

Sample Sales Average Change Median Change
Nov 2022 3 £217,000 8.5% £210,000 8.2%
Oct 2022 13 £199,923 -5.3% £194,000 -7.6%
Sept 2022 16 £211,094 -9.3% £210,000 -4.5%
Aug 2022 23 £232,761 3.5% £220,000 10.6%
Jul 2022 23 £224,893 19.3% £199,000 15.4%
Jun 2022 22 £188,438 7.9% £172,500 11.3%
May 2022 15 £174,669 -15% £155,000 -25.3%
Apr 2022 16 £205,406 6.1% £207,500 7.8%
Mar 2022 30 £193,645 -4.7% £192,500 6.9%
Feb 2022 31 £203,158 10.3% £180,000 5.9%
Jan 2022 15 £184,267 -1.9% £170,000 -2.9%
Dec 2021 19 £187,842 -6.7% £175,000 0%
Nov 2021 33 £201,414 4.5% £175,000 -8.3%

Sample Sales Average Change Median Change
Nov 2022 3 £127,667 -4.6% £128,000 0.4%
Oct 2022 6 £133,833 -13% £127,500 5.8%
Sept 2022 20 £153,812 17.4% £120,500 -1.6%
Aug 2022 18 £131,000 -11.1% £122,500 -9.3%
Jul 2022 29 £147,319 1% £135,000 3.1%
Jun 2022 32 £145,906 17.5% £131,000 19.1%
May 2022 20 £124,135 2.3% £110,000 -6.6%
Apr 2022 28 £121,364 1.7% £117,750 7%
Mar 2022 29 £119,378 -4.4% £110,000 -4.3%
Feb 2022 27 £124,881 5.7% £115,000 0%
Jan 2022 21 £118,099 -1% £115,000 -5.7%
Dec 2021 30 £119,232 -3.6% £122,000 8%
Nov 2021 33 £123,636 13.7% £113,000 10.8%

Sample Sales Average Change Median Change
Nov 2022 0 £0 0% £0 0%
Oct 2022 6 £100,917 -12.2% £103,750 -9.8%
Sept 2022 1 £115,000 10.5% £115,000 11.9%
Aug 2022 6 £104,075 6.2% £102,725 -6.6%
Jul 2022 5 £98,000 18.1% £110,000 32.5%
Jun 2022 2 £83,000 -21% £83,000 -19.4%
May 2022 6 £105,083 29.3% £103,000 29.6%
Apr 2022 6 £81,250 -33.1% £79,500 -16.3%
Mar 2022 11 £121,364 13.7% £95,000 -10.6%
Feb 2022 6 £106,750 49.8% £106,250 49.1%
Jan 2022 2 £71,250 -25.1% £71,250 -26.2%
Dec 2021 4 £95,125 25.9% £96,500 39.9%
Nov 2021 9 £75,550 -19.8% £69,000 -24%

Widnes House Price Information

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

Widnes House Price Data

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Widnes Yearly Price Changes

Year on year percentage changes in Widnes.

Widnes 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.