Second-charge lending · Homeowner loans
Explore flexible secured loans (also known as second charge mortgages or homeowner loans) with clear guidance, competitive rates, and personal service from an FCA-authorised UK broker. Whether you are consolidating debts, funding home improvements, or raising capital for a big purchase, we'll help you compare lenders and find a secured loan that fits your needs and budget.
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
Est. monthly
£290
Total repayable
£34,817
Est. interest
£9,817
Illustration only. Actual lender pricing depends on equity, credit profile, income, property type and legal costs.
Likely match score
0%
Guide only. Lender decisions depend on full affordability checks and your overall profile.
Combine multiple debts, such as credit cards, personal loans, or overdrafts, into one affordable monthly payment, potentially at a lower interest rate.
Fund renovations, extensions, or upgrades without touching your main mortgage.
Raise funds for vehicles, business investments, or other major expenses.
Do not rule out options if you have had missed payments, defaults, CCJs, or thin credit files. Specialist lenders may consider your application based on your overall profile.
We understand variable income. We present your case effectively using the right documents to access more lender choices.
Tell us about your borrowing needs and circumstances.
We assess your budget, home value, and existing mortgage.
We search suitable lenders and recommend options.
Strengthen your application with an AIP (where appropriate).
We manage the submission, valuation, and underwriting.
We work with your solicitor and the lender through to funds release.
We follow FCA rules so information is fair, clear and not misleading.
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 is around £11,596.89. When we show a rate or cost, an example is shown with equal prominence and kept fair, clear and not misleading.
A secured loan (or second charge mortgage) is borrowing against your home's equity, sitting alongside your main mortgage. It's secured on your property, which can mean lower rates but comes with repossession risk if repayments are not maintained.
Typically from around £10,000 to £500,000+ depending on your home's value, equity and affordability. Some lenders may go up to around 95% loan-to-value, subject to status.
Fixed rates offer payment certainty, while variable rates may start lower but can move with the market. We will compare options based on your risk tolerance and current conditions.
Yes, specialist lenders often consider adverse credit if it is not recent or severe. Higher equity and stable income help. We will check your eligibility without affecting your credit score initially.
From enquiry to funds, it can be around 4-8 weeks depending on valuation, legal work and complexity. We aim to keep things efficient and keep you updated.
It depends. Secured loans avoid changing your main mortgage but may have higher rates. Remortgaging can be cheaper but might disturb a good existing deal. We will provide a comparison based on your circumstances.
Yes, and it can reduce monthly payments. However, extending the term can mean you repay more interest overall. We will only recommend this where it is suitable and in your best interests.
Get a free, no-obligation chat with a UK-based adviser. We will explain your options clearly and help you decide your next step with confidence.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Debt consolidation can reduce monthly outgoings but may increase the total amount repaid over a longer term.
Fees can include broker, valuation, lender and legal costs. We will explain them before you proceed.
A secured loan is not automatically better than remortgaging. Suitability depends on the whole picture, including your existing mortgage deal.
Calls may be recorded for monitoring, training and quality assurance.
