A secured loan — also known as a second charge mortgage — lets you borrow against the equity in your home without disturbing your existing mortgage. Ideal when your current rate is too good to lose.
QUICK FACTS
A secured loan sits behind your existing mortgage as a second charge on your property. You keep your current mortgage deal in place and borrow the additional funds separately, often at a lower rate than unsecured borrowing.
They're commonly used for home improvements, debt consolidation, business investment, or any purpose where a large lump sum is needed without breaking your existing mortgage deal.
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If you're on a great fixed rate, a secured loan lets you borrow more without breaking your deal.
Borrow significant sums secured against your property equity — often more than unsecured lenders will offer.
Home improvements, debt consolidation, business investment — the funds are yours to use as needed.
We work with second charge lenders not available directly, including those who consider adverse credit.
Funding an extension, renovation, or conversion without disturbing your mortgage.
Replacing high-interest unsecured debt with a lower-rate secured loan.
Raising capital secured against your property for business investment or expansion.
Your existing mortgage rate is too good to lose — a secured loan lets you borrow without breaking it.
"Andy went through every option and detail, making it a very smooth and stress-free switch over. Would highly recommend."
Katie Thorpe
Remortgage · Trustpilot
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