Unlock up to 95% LTV with Tandem Bank fixed-rate secured loans for UK homeowners

Why Tandem Bank secured loans make sense for UK homeowners

Tandem secured loan products are designed for homeowners who want to unlock substantial equity without remortgaging. With up to 95% LTV available on some applications, Tandem Bank lets borrowers access larger sums against their property at competitive fixed-rate terms.

For many in the UK the appeal is clear: predictable monthly payments, the security of a fixed-rate secured loan and tailored terms between 5 and 25 years. That mix suits people consolidating higher-rate debt or funding big home projects.

Core features: up to 95% LTV, fixed-rate certainty and flexible terms

Tandem secured loans offer a maximum loan-to-value of 95%, allowing homeowners to borrow between £10,000 and £250,000 depending on circumstances. The high LTV option is useful when you need significant capital quickly, though it’s important to weigh the risks if house prices fall.

Fixed-rate options mean your monthly repayment won’t change across the term, which helps with budgeting. Repayment periods from 5 to 25 years provide flexibility — shorter terms reduce interest overall, longer terms lower monthly outgoings.

Repayments, eligibility and energy-efficiency discounts

Repayments on a Tandem secured loan are predictable thanks to the fixed-rate structure; that makes it easier to plan household finances and manage debt consolidation. Early repayment charges and fees vary, so always check the loan illustration from your broker.

Eligibility normally requires UK residency, a minimum age (typically 21+), and sufficient monthly net income. Tandem also rewards energy-efficient homes with discounts, lowering rates for properties with good EPC ratings — a clear plus if you’re investing in green upgrades.

Applying, risks and how Tandem compares to other lenders

Applications for a Tandem secured loan are usually arranged via a broker who’ll submit your details and an affordability check. Tandem can provide a decision in principle quickly, but final approval and funds take longer after valuation and underwriting checks.

Remember the key risk: your property is security for the loan, so missed payments could lead to repossession. Compared with other lenders, Tandem stands out for its green incentives and up to 95% LTV, though some competitors may offer longer maximum terms or higher loan amounts in specific cases.