The smarter way to borrow money

Use the value in your property to secure a flexible loan for those larger expenses.

A Secta Finance Plan enables homeowners to spread the cost of larger expenses over many years in a simple and affordable way.

We have a number of products to choose from:

Secta Flexiloan

Smart. flexible. Affordable.
Acts like a bank overdraft enabling you to draw funds flexibly within the first 5 years. You only pay interest on the amount you drawdown. After the flexible 5 year period, the balance converts into a standard term loan.


Borrow from £25k to £1m

Flexible drawdown, only pay for the funds you use

Rates starting from 3.95%

Up to 80% loan to property value

Repayment term 5 to 30 years

No early repayment fees

Secta Advance Loan

Smart. Simple. Affordable.
With this product the full amount of the loan is advanced upfront and then you make fixed monthly repayments based on the term you choose.


Borrow from £10k to £1m

Affordable monthy repayments

Rates starting from 3.85%

Up to 100% loan to property value

Repayment term from 5 to 35 years

No early repayment fees (optional)

Our panel of lenders

Our panel of lenders represent some of the most established financial institutions in the sector, meaning we are able to offer broad range of finance solutions to parents across the length and breadth of the country.