A secured property loan is a type of loan guaranteed by a specific asset that you own, such as your home or investment properties. Whatever the asset, taking out a secured property loan usually means you can borrow more money than you would otherwise have been able to as potential lenders see you as a more reliable borrower with lower risk attached. With a secured loan, you’ll often find that repayment periods are longer, interest rates are lower and credit amounts are higher. This is because the lender has a substantial asset to secure the loan against, reducing the risk they face in the case of missed repayments.