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 from £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 (5 to 35 years).

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*

Unlock the potential in your home

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


It’s a smart way to spread the cost of school fees during the period your family needs financial support the most.


In some cases a remortgage may be more economical than a loan, but we can arrange that for you too. Secta’s specialist mortgage team has access to the full range of rates available to find you the best deal available. .

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.