Home improvements
Raise funds for an extension, loft conversion, new kitchen or other major work without changing the main mortgage.
Answer a few quick questions and we’ll match you with the UK’s leading lenders. Soft check only – your credit score stays untouched.
A secured loan — also known as a homeowner loan or second-charge mortgage — can let you borrow extra money without replacing your existing mortgage deal.
Your current mortgage remains the first charge. The secured loan sits behind it as a separate second charge.
A secured loan can sometimes be used to consolidate eligible unsecured debts into one monthly payment. The illustration shows the potential difference to monthly cash flow, rather than promising a saving for every customer.
Three eligible unsecured payments are replaced by one secured-loan payment.
We assess your circumstances and compare suitable options based on why you need to borrow.
Raise funds for an extension, loft conversion, new kitchen or other major work without changing the main mortgage.
Bring eligible unsecured debts together into one monthly payment, subject to advice, affordability and the right recommendation.
Potentially raise funds for a deposit or another property-related purpose while keeping your current mortgage in place.
Explore options for tax bills, investment or business needs where the purpose is acceptable to the lender.
Our advisers look at the wider picture, including your current rate, early repayment charges, the amount you want to borrow, the purpose of the loan and the overall cost.
Completing the quick enquiry gives our team enough information to start assessing which lenders and options may suit you.
Complete the enquiry above with the amount, purpose and some basic details about your property and circumstances.
We discuss your existing mortgage, your borrowing goals and whether a secured loan looks like a sensible route to consider.
You receive a clear explanation of the proposed loan, monthly payment, fees, term and the overall implications.
Your exact options depend on your property, existing mortgage, income, credit profile, available equity and the amount you want to borrow.
A secured loan is additional borrowing secured against your property. It normally sits behind your existing mortgage as a second legal charge, which is why it is also known as a second-charge mortgage or homeowner loan.
Yes, that is one of the main reasons homeowners consider this type of borrowing. The secured loan is separate, so the existing mortgage can usually stay in place, subject to lender consent and the case meeting criteria.
Potentially. Specialist lenders assess a broad range of circumstances, including missed payments, defaults and other historic issues. Availability and pricing depend on the detail and your current affordability.
No. It may reduce the monthly outgoing, but extending short-term debts over a longer secured-loan term can increase the total amount repaid. Your adviser will explain both the monthly and overall cost so you can make an informed decision.
The amount depends on available equity, income, loan-to-value, expenditure, credit history, the purpose of the borrowing and individual lender criteria. Completing the enquiry form lets us assess the position more accurately.
Timescales vary depending on the lender, valuation, documentation and legal requirements. Once we understand your situation, we can focus on lenders whose process and criteria best fit the case.
Answer the quick questions at the top of the page and a member of our team can assess your circumstances and explain the next step.
Think carefully before securing debt 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 your monthly payments, but could increase the total amount repayable if the borrowing is spread over a longer term.