Need funds for renovations, debt consolidation, or a big purchase? A secured loan lets you borrow against your property's equity without remortgaging — often with larger amounts and longer terms.
Access larger amounts than unsecured lending
No need to remortgage or change your current deal
Repayment terms from 3 to 25 years
Home improvements, debt consolidation, and more
A secured loan sits alongside your existing mortgage as a separate agreement, meaning you don't need to change your current mortgage deal. This is especially useful if you're on a great rate you don't want to lose.
Because the loan is secured against your property, lenders can offer higher borrowing amounts and longer repayment terms than unsecured personal loans — typically £10,000 to £500,000 or more.
Secured loans can be used for almost any purpose — home improvements, debt consolidation, large purchases, business investment, or funding life events. There are generally no restrictions on how the funds are used.
We search specialist lenders across the market to find competitive rates and terms tailored to your circumstances. Our advisors will always ensure the loan is affordable before recommending it.
From initial enquiry to funds in your account — we make the process quick and straightforward.
We discuss how much you need to borrow, what it's for, and review your property equity and financial situation.
We compare secured loan products from our panel of specialist lenders to find the most competitive rates and terms.
We present the best option, explaining the rate, fees, monthly payments, and total cost — with no hidden surprises.
We handle the application, liaise with the lender and solicitors, and aim to get your funds released as quickly as possible.
Secured loans are a powerful financial tool, but it's important to understand how they work before committing.
As with any loan secured against your property, your home is at risk if you don't keep up with repayments. We'll always ensure the loan is affordable and suitable before recommending it.
A remortgage replaces your entire existing mortgage. A secured loan sits alongside it as a separate agreement — ideal if you're on a good rate and don't want to change your current deal.
As a first-time buyer, you pay no stamp duty on properties up to £300,000 and a reduced rate on properties up to £500,000 — saving you thousands.
Secured loan rates are typically higher than first-charge mortgage rates but lower than unsecured personal loans. Fixed and variable options are available — we'll find the best fit.
Consolidating multiple debts into a single secured loan can reduce your monthly outgoings. However, you may pay more in total over a longer term — we'll show you the full picture.
Secured loans may involve arrangement fees, valuation fees, and legal costs. Some lenders add these to the loan. We'll break down every cost upfront so you know exactly what you're paying.
Answers to the questions we hear most about secured loans.
A secured loan is a loan that uses your property as collateral. It sits as a second charge behind your existing mortgage. Because the lender has this security, they can offer higher borrowing amounts and longer repayment terms than unsecured alternatives.
Almost anything — home improvements, debt consolidation, large purchases, business investment, school fees, weddings, or funding other life events. There are generally no restrictions on how the funds are used.
A remortgage replaces your entire existing mortgage with a new one. A secured loan sits alongside your existing mortgage as a separate agreement, meaning you keep your current deal intact. This is particularly beneficial if you're on a competitive rate.
Yes, secured loans can be an option even with bad credit, as the property security gives lenders more confidence. Rates may be higher, but we have access to specialist lenders who consider a wide range of credit histories.
A secured loan can typically be arranged within 2–4 weeks, though this varies depending on the lender, the complexity of your application, and how quickly the valuation and legal work are completed.
A secured loan doesn't change your existing mortgage, but your mortgage lender will be notified as the secured loan sits as a second charge on your property. It will appear on your credit file and the monthly payments will be factored into future affordability assessments.
Book a free, no-obligation consultation. We'll assess your equity, explain your options, and find the most competitive secured loan for your needs.
