Loans Warehouse

Loans Warehouse: a credit broker for secured and personal finance

Loans Warehouse Ltd operates as a credit broker rather than a lender. From its registered office in Watford, Hertfordshire, the company arranges finance for customers across the United Kingdom and presents itself as a single point of access to a range of loan products. Its catalogue covers both consumer and business borrowing, with the stated aim of matching each applicant to a suitable option among the lenders it works with.

Loan products and borrowing ranges

The site lists six main categories, each with its own indicative range:

• Secured loans: from £5,000 to £2,500,000.
• Personal loans: from £1,000 to £40,000.
• Guarantor loans: from £1,000 to £10,000.
• Short-term loans: from £100 to £10,000.
• Bridging loans: from £5,000 to £25,000,000.
• School fee loans: from £25,000 to £1,000,000.

Business loans also appear in the navigation and in the explanatory guides, although the site does not publish a specific borrowing range for that category. The company describes itself as able to show a real loan rate that is the best available to the applicant from UK lenders.

How the brokerage works

Loans Warehouse states that it is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 713110 and is classed as a credit broker, not a lender. It also notes that certain types of finance, such as bridging loans, are not regulated. The company presents choice among products and lender relationships as central to its model, and says it listens to individual needs before finding a solution. Fees may be payable depending on the final choice of financial product, according to the site, and are discussed at the earliest opportunity.

Experience, service and recognition

The advisory team is described as having many decades of combined experience in the industry. The company says it has won over 30 awards in the past five years, and the site displays two examples: Secured Loan Broker of the Year (2019) and Best Second Mortgage Broker (2016–2019). It also reports a five-star rating from hundreds of customers and includes a customer testimonial about professional handling of a loan. Loans Warehouse states that it has been trusted by customers across the UK since 2006.

Guides and consumer information

The site includes a section of explanatory guides intended to help borrowers understand the market. The topics listed are guarantor loans, business loans, bridging loans, unsecured loans, secured loans and the difference between secured and unsecured loans. A prominent warning advises customers to think carefully before securing other debts against their home, since the home may be repossessed if repayments on a mortgage or any other debt secured on it are not kept up.

Company details

Loans Warehouse Ltd is a registered company in England & Wales with company number 5771864. Its registered office is Unit 1a, The Boulevard, Blackmoor Lane, Watford, Hertfordshire, WD18 8YW.