Your Second Charge Mortgage Made Simple
Up to 50% Less Costs
4.9/5 Rating
Unlock the Power of a Second Charge Mortgage
Transform Your Home, Consolidate Debts or Fund Your Next Project
A second-charge mortgage could be your best solution.
Whether you want to tackle high-interest debt or upgrade your home, we’re here to find the perfect plan for your goals and budget.
Enjoy costs up to 60% lower than most brokers, and relax knowing you’ve secured the absolute best deal around.
Low-Cost 2nd Charge Mortgages
✓ From £15,000 to 1.5 million
✓ Free property valuation
✓ No upfront fees or hidden charges
✓ High loan-to-value available
✓ Poor credit plans available
✓ Loan.co.uk™ has won multiple awards
Up to 50% lower costs than all other major brokers
Voted: Second Charge Mortgage Broker of the Year
The Life-Changing Results of Debt Consolidation
“I needed a serious reduction in my monthly payments.
Loan.co.uk managed to reduce them from £1,500 a month to less than £300 - Lifechanging." Ben @ Trustpilot
Tired of the Monthly Finance Monster?
Struggling with the relentless barrage of credit card and loan payments each month?
And how about those home improvements that have been eternally postponed?
We hear you. But worry not; we've got you covered with our simple, wallet-friendly consolidation remedy.
Master Your Finances - Discover the Power of our Debt Consolidation Solution
Shrink Monthly Payments by Up to 75% and Steer Your Finances Back on Track - All with our Debt Consolidation package.
Plus, pocket some extra funds for home improvements. Witness the remarkable transformation for both your bank account and your sanctuary.
Don't let debt dictate your life any longer; regain control with our consolidation solution today!
Kick Financial Anxiety to the Curb - Rekindle Your Zest for Life
But it's our customers who tell it best, like Julie on Trustpilot:
"We were drowning in an enormous amount of debt.
Loan.co.uk got us a debt consolidation loan, and it was the best thing we have done.
Now we have so much money over each month we can have a life again."
And Richard @ Reviews.co.uk adds:
"I was dreading facing my finances, but I had to, so I applied to Loan.co.uk. They were brilliant.
I am now considerably better off each month and can rest easy not having to worry about Money.
Give them a go, this was life-changing for us."
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Get a Quick and Easy Online Quote - It's Free and Won't Take More Than a Few Minutes of Your Time.
Up to 50% lower costs than all other major brokers
Voted: Secured Loan Broker of the Year
Do you want the Best Value Second Charge in the Market?
“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"
“One of the best services I’ve used in my life” Kimberley Ramsey @ Trustpilot
3 easy steps to your perfect second charge mortgage
1. Apply online for your second charge mortgage. It only takes a minute and it wont impact your credit score.
2. Everything is automated so you will always get the lowest rates we have available.
3. Relax! We’ll sort everything else out. Just sit back until your second charge mortgage arrives.
Representative Example for second charge mortgages: based on borrowing £18,000 over 120 months. Interest Rate: 5.5% fixed for 60 months with instalments of £213.33. Followed by 60 months at the lenders standard variable rate of 5.7% with instalments of £214.36. Fees: Broker fee (£1,062); Lender fee (£595). Total amount payable £25,756.4 comprised of; loan amount (£18,000); interest (£6,004.4) including broker fee and lender fee. Overall cost of comparison 7.902% 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 3.4% to 29% APRC which has allowed us to help customers with a range of credit profiles. We are a broker not a lender. Second charge mortgages 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.
Don’t just take our word for it
4.97/5 Rating 
A. Haywood
“Highly recommend. Extremely helpful and supporting all the way through the process, we are extremely thankful for making this happen for us.”
VERIFIED REVIEW
Mrs Marks
“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.”
VERIFIED REVIEW
Charles
“Massive thanks to all at Loan.co.uk for finding me a very competitive remortgage. Incredibly helpful throughout the whole process.”
VERIFIED REVIEW