Secta Flexiplan

This plan works like a bank overdraft, offering flexible lending. Access the funds you need and only pay interest on the amount you drawdown. Repayment terms up to 35 years.


Borrow £25k to £1m

Flexible drawdown

Rates start at 4.1%

Up to 85% LTV

Repayment term 5 to 30 years

Affordable brokers fee*

Secta Advance Plan

The full amount of your loan is available upfront. You then make regular, fixed monthly repayments throughout your chosen term.


The advance plan offers you financial certainty and makes it easier to forecast finances in the long-term.

Borrow from £10k to £1m

Monthly repayments

Rates start at 3.85%

Up to 100% LTV

Repayment term 5 to 35 years

Affordable brokers fee*

Enhance your lifestyle

If you have expenses to fund - or even a dream to realise - why not make use of the value locked inside your home to achieve affordable finance.


Our customers are able to fund the lifestyle they choose by taking up many new opportunities:

Home improvements

A wedding

A car

A boat

A holiday

A second home

Debt consolidation

Private medical expenses

Rewarding homeowners

By using your property as security, you can access larger loan values, longer repayment periods and lower interest rates than unsecured finance.


Spreading the cost eases the burden of repayment and allows you to live for the moment.


Interest rates start at just 3.85% and terms run from 5 to 30 years.


Affordable brokers fee, 1.6% of the loan value (subject to a min £795 and max £1,495)

Representative example:
A mortgage of £100,000 payable over 25 years on our Standard Variable Rate for the mortgage term of 25 years at the current rate of 3.95% (fixed or variable) would require 300 monthly payments of £533.38. The total amount payable would be £160,014 made up of the loan amount plus interest of £57,524, a brokers fee of £1,495 and a product fee of £995. The overall cost for comparison is 5.31% APRC representative. The above representative example is for illustration purposes only and may vary depending on your personal circumstances. This representative example has been calculated on a Capital & Interest repayment method. The monthly payments, total amount payable and interest charged all reflect this calculation method.