Speak to an Adviser 01489 357550 Check My Eligibility
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Mortgage & secured-loan enquiry

Mortgage advice for every next move.

Whether you are buying a home, remortgaging, arranging a buy-to-let mortgage or considering a secured loan, tell us what you need and we will direct your enquiry to an adviser experienced in that area.

Start My Enquiry  → Call 01489 357550
No obligation Around 60 seconds No impact on your credit score from enquiring
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Mortgage advice built around your goal

One enquiry. Four specialist mortgage routes.

CoG Financial can help with residential purchases, remortgages, buy-to-let mortgages and secured loans. The right route depends on your property, income, credit history, existing borrowing and what you want to achieve.

Residential purchase mortgages

Buying your first home, moving house or considering shared ownership? An adviser can review affordability, deposit size, income and lender criteria before helping you understand the next steps.

  • First-time buyer mortgage advice
  • Home mover and residential purchase options
  • Support for self-employed and complex-income applicants
Explore first-time buyer advice →

Remortgage advice

A remortgage may be considered when your current deal is ending, you want to compare a new rate, raise additional funds or consolidate unsecured debts. Advice should account for fees, early repayment charges, the mortgage term and the total amount repayable.

  • Fixed-rate ending and product-switch reviews
  • Capital raising and home-improvement borrowing
  • Debt-consolidation remortgage assessment
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Secured loans and second charge mortgages

A secured loan, also known as a second charge mortgage, allows an eligible homeowner to borrow against their property while keeping the existing first mortgage in place. It may be considered for debt consolidation, home improvements or another planned purpose.

  • Keep an existing first mortgage where appropriate
  • Borrowing assessed against equity and affordability
  • High-street and specialist secured-loan options
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Buy-to-let mortgages

Buy-to-let lending can depend on expected rental income, deposit, landlord experience, property type and whether the application is in a personal name or through a limited company. Existing landlords can also enquire about remortgaging a rental property.

  • First-time, experienced and portfolio landlords
  • Personal-name and limited-company applications
  • Purchase and remortgage enquiries
Explore buy-to-let advice →

How the enquiry works

A clearer route from question to advice.

The enquiry gathers enough initial information to help the team understand which mortgage area and adviser may be most relevant.

STEP 01

Choose your mortgage route

Select purchase, remortgage, secured loan or buy to let. The form then adapts to that choice.

STEP 02

Share the key figures

Provide estimates for property value, borrowing, deposit, income, commitments and credit history.

STEP 03

Speak with an adviser

A member of the team reviews the information and contacts you to discuss your circumstances and possible next steps.

Frequently asked questions

Before you make an enquiry.

Does completing the enquiry affect my credit score?
No. Completing the initial online enquiry does not itself create a credit search. A lender may carry out a credit search later in the mortgage process, but this should be explained before an application is submitted.
Can I enquire if I have had credit problems?
Yes. Previous missed payments, defaults, county court judgments or other credit issues do not prevent you from making an enquiry. Available options depend on the details, dates, amounts, deposit or equity, income and the lender’s criteria.
Can CoG Financial help if I am self-employed?
Self-employed applicants, contractors and company directors can enquire. The income evidence and lender assessment may differ from those used for an employed applicant.
Is a secured loan the same as a remortgage?
No. A remortgage normally replaces the existing mortgage. A secured loan or second charge mortgage usually sits behind the existing first mortgage, allowing the first mortgage to remain in place.
Can a remortgage be used to consolidate debts?
It may be possible to raise funds through a remortgage to repay unsecured debts. However, moving short-term debts onto a mortgage can increase the total interest paid because the borrowing may be repaid over a longer period. Advice should compare the costs and risks before proceeding.
What affects a buy-to-let mortgage application?
Lenders may consider the property value, deposit or equity, expected rental income, personal income, landlord experience, property type, credit history and whether the borrowing is in a personal name or a limited company.

Ready to explain what you need?

Return to the enquiry form and select the mortgage route that best matches your plans.

Start My Enquiry →

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Consolidating unsecured debts may reduce monthly payments but can increase the total amount repaid if borrowing is extended over a longer term.

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