Second-charge lending • Homeowner loans
Secured Loans
Use your property’s equity to borrow—often at lower rates than unsecured credit. Great for home improvements, debt consolidation, handling a tax bill, or raising funds without touching a good mortgage deal.
Risk warning: Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Repayment preview
Illustration only. Your actual rate & costs depend on your circumstances. Use the full calculator for accuracy.
Who we help
- • Homeowners wanting to borrow without changing a great first-charge rate.
- • Families funding extensions, loft conversions or a new kitchen.
- • Consolidators rolling higher-interest credit into one payment (where suitable).
- • Self-employed with flexible income assessment.
- • Landlords & companies raising capital alongside existing borrowing.
Quick eligibility (guide)
Likely match score
Guide only. Lender decisions depend on full affordability and checks.
Why choose Wednesday
- • Whole-of-market search across second-charge lenders.
- • Clear, friendly advice in plain English.
- • No surprises—we outline all costs before you apply.
- • We do the legwork and keep you updated to completion.
How it works
- 1Tell us about your plans and circumstances.
- 2We compare suitable lenders and explain your options.
- 3You receive a clear summary of the product and costs.
- 4We handle the application, valuation and checks for you.
- 5Offer and funds released—regular updates along the way.
We follow FCA rules so information is fair, clear and not misleading.
Popular uses & alternatives
- 1Home improvements or extension with predictable payments.
- 2Consolidate expensive credit (only where appropriate).
- 3Raise funds for a tax bill or business investment.
- 4We also check alternatives: further advance, remortgage, or unsecured credit.
Representative example (illustration)
Borrowing £10,000 over 5 years at a fixed rate of 5.99% per year, the monthly repayment would be £193.28. Total repayable £11,596.89.
When we show a rate or cost, an example is shown with equal prominence and kept fair, clear and not misleading.
Top questions customers ask
It’s a loan secured against the equity in your property. It runs alongside—rather than replacing—your main mortgage.
No. A second charge usually leaves your existing mortgage untouched, subject to eligibility and any consent needed from your current lender.
Yes, if repayments aren’t maintained. If you’re struggling, contact us and your lender early so support options can be discussed.