See What You Could Borrow With a Secured Loan
Unlock £25k+ with a secured loan. A smarter way to fund home projects or consolidate debt without a full remortgage.
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What Is a Secured Loan?
What Is a Secured Loan?
A secured loan is a way of borrowing money that is secured against your home. It is separate from your main mortgage and is sometimes known as a second mortgage.
The loan is added alongside your existing mortgage rather than replacing it. This means you can borrow additional funds while keeping your current mortgage deal in place.
Because the loan is secured on your property, larger amounts can often be borrowed and repayments are spread over a longer period. If you do not keep up with repayments, your home could be at risk.
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Secured loans - what you need
to know
Before taking out a secured loan, it's important to understand how they work in practice and why people often choose them over a remortgage.
A secured loan allows you to borrow only the extra amount you need, rather than replacing your entire mortgage. This can make it quicker to arrange and, in some situations, easier than remortgaging.
How much can I borrow with a secured loan?
The amount you can borrow is mainly based on the equity in your property and what you can afford to repay.
- Lenders typically look at:
- Your property value
- Your existing mortgage balance
- Your income and outgoings
Secured loans typically range from around £25,000 up to £5 million, depending on these factors.
Secured loan vs remortgage
A secured loan is added on top of your existing mortgage, while a remortgage replaces it. People often consider a secured loan when they want to:
- Keep their current mortgage deal
- Avoid early repayment charges
- Raise funds more quickly
- Borrow only the new amount, rather than both the old and new borrowing together
With a remortgage, the lender reassesses the full mortgage balance. With a secured loan, the lender is only lending the additional amount, which can allow for more flexibility in some cases.
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Think Carefully Before Securing Other Debts Against Your Property
A secured loan may not be suitable for everyone. Depending on your circumstances, a remortgage or another form of borrowing may be more appropriate. You should think carefully before securing debt against your home. Consolidating debts can extend the term of your borrowing and may increase the total amount you repay.