Second Charge Mortgages made simple

Up to 50% Less Costs

5 pink stars

4.9/5  Rated 'Excellent'

Over 4,000 5-star reviews

on Reviews.co.uk & Trustpilot.com

Fuel your Dreams or Tame your Debt

In search of funds for your next big step? Our second change loans and mortgages could be your answer.

  • Any Purpose Financing: Whether consolidating high-interest debts or giving your home a fresh look, we’ve got the ideal solution.

 

  • Unbeatable Value: Cost savings of up to 50% compared to other major brokers. Plus an award winning service. Secure the best deal with confidence.
Homeowner loans to decorate & refurbish

 Our Second Charge Benefits

Save up to 50% on broker fees

Borrow from £15,000 to £1.5 million

 Free property valuation

 No upfront fees or hidden charges

Attractive loan-to-value ratios

Options for varied credit histories

Winner: Secured Broker of the Year

Up to 50% lower costs than all other major brokers

Voted: Second Charge Broker of the Year

Struggling with High Monthly Bills?

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“Loan.co.uk managed to reduce my payments from £1,500 a month to less than £300 – Lifechanging.” Ben @ Trustpilot

Man who needs a secured loan for consolidation

Dreading the End of the Month?

Swamped with monthly credit card and loan payments?

Postponing home improvements?

We get it. Our simple, budget-friendly consolidation package is here to help.

Secured loans debt consolidation example

Master you Debt with a Second Charge Consolidation Loan

Slash your monthly payments by up to 75%.

Reclaim your financial freedom and even set aside funds for home upgrades.

Break free from the shackles of debt with our consolidation solution.

Relaxed man after secured loan

Wave goodbye to Financial Worries

Julie @ Trustpilot shares,

“Loan.co.uk rescued us from a mountain of debt. The best thing we have ever done. We now save so much every month, we can have a life again.”

Richard @ Reviews.co.uk adds,

“I dreaded my financial situation, but Loan.co.uk was a godsend. Now, I’m financially comfortable and stress-free. This was life-changing for us.”

Act Now: Secure a hassle-free online quote in mere minutes. It’s entirely free!

Looking for the Market’s Best-Value Second Charge?

 

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 “Excellent company, half the price of competitors” Timothy Healy @ Reviews.co.uk

The Lowest Costs

  • Save up to £3,000 on costs, enough to treat yourself
  • Up to 50% lower costs than all other major brokers
  • Free property valuation
  • Free Legal and reference costs
  • Zero upfront fees

"their fees are the cheapest in the market, and they really do care about getting you the right product"

5-Star Advice

  • Friendly & easy to talk to: Your own dedicated UK advisor
  • The confidence you are getting the best advice from some of the most experienced advisers in the country
  • Everything transparent
  • No sales; you always come first

    "they explained everything super clearly and a first class service from start to finish"

    The Easiest Process

    • Your own personal processor (friendly human) to sort any documents
    • Let us (and our bots) do the boring stuff while you relax
    • Fast & simple & easy
    • Full In-App transparency

    "Loan.co.uk helped us through every step and made the whole process an enjoyable one" 

    Quote marks

     “One of the best services I’ve used in my life” Kimberley Ramsey @ Trustpilot

    As featured in

    Three Simple Steps to your Perfect Second Charge

    Apply for a loan on mobile

    1. Apply Online in Minutes

    • 100% online process
    • Instant personalized rates
    • Won’t impact credit score
    Check the loan details, make sure that you’re happy with your secured loan and rate

    2. Expert Guidance

    • Dedicated loan advisor
    • Reviews options and recommends best fit
    • Answers all your questions
    Our lender will give you a quick call to discuss the secured loan

    3. Relax as We Handle Everything

    • Processor manages documents
    • Automated bots speed approval
    • Funds deposited quickly

    Second charge mortgages and loans use your property as security. If you fall behind on payments, your home is at risk.
    Consolidating debt may increase the repayment term and total amount repaid.
    We are a broker paid commission to arrange secured loans. Quotes include broker fees up to 5.9% of the loan amount. Rates depend on your circumstances. Loans are subject to approval.

    Don’t just take our word for it

    5 pink stars

    4.97/5 Rating Review text

    A. Haywood

    5 pink stars
    “Highly recommend. Extremely helpful and supporting all the way through the process, we are extremely thankful for making this happen for us.”

    pink-tick-small-iconVERIFIED REVIEW

    Mrs Marks

    5 pink stars
    “I can highly recommend the overall service. Loan.co.uk gave the best offer and sorted everything for me on a very professional basis. Cannot praise them enough.”

    pink-tick-small-iconVERIFIED REVIEW

    Charles

    5 pink stars
    “Massive thanks to all at Loan.co.uk for finding me a very competitive second charge mortgage. Incredibly helpful throughout the whole process.”

    pink-tick-small-iconVERIFIED REVIEW

    Representative Example for secured loans & Second Charge Mortgages: based on borrowing £18,000 over 120 months. Interest Rate: 7.4% fixed for 60 months with instalments of £241.40. Followed by 60 months at the lenders standard variable rate of 7.9% with instalments of £244.95. Fees: Broker fee (£1,062); Lender fee (£595). Total amount payable £31,063.20 including broker fee and lender fee. Overall cost of comparison 9.5% APRC. This means 51% or more of our clients receives this rate or better for this type of product. We have arranged borrowing with rates from 4.9% to 29% APRC which has allowed us to help customers with a range of credit profiles. We are a broker not a lender.

    Secured Loans have a minimum term of 36 months to a maximum term of 360 months. Maximum APRC charged 29%. If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

    Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.