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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Benefits of a Secured Loan with Our Finance Experts
- Market Knowledge: Our expert team based in Derby, Derbyshire understands property values across the entire UK
- Lower Interest Rates: Typically more affordable than personal loans or credit cards
- Borrow Larger Amounts: Access significant funding based on your property equity
- Longer Repayment Terms: Spread payments over up to 30 years
- Keep Your Existing Mortgage: No need to refinance or alter your current deal
- Consolidate Existing Debts: Combine high-interest debts into one manageable loan
- Nationwide Service: We have helped homeowners across the UK, with particular expertise in the Midlands and Derbyshire
Who It’s For:
- Homeowners with equity across the UK
- People on fixed/low-rate mortgages
- Self-employed or borrowers with complex income
- Applicants with credit challenges
Mortgage and Finance Arena
Secured loans, residential and buy to let
What Is a Secured Loan?
A secured loan lets you borrow against the equity in your home. It sits alongside your mortgage as a second charge, so your current mortgage deal stays as it is. How much you can borrow depends on your equity and whether the repayments are affordable.
Because the loan is secured on your home, rates are usually lower than for personal loans or credit cards. The risk is that your home could be repossessed if you do not keep up the repayments, so only borrow what you can afford.
What You Can Use a Secured Loan For
Home Improvements
Extensions, renovations, loft or garage conversions.
Debt Consolidation
Bring credit cards and loans into one monthly payment.
Energy Upgrades
Solar panels, insulation or a new heating system.
Vehicles
Buy a car, van or motorhome without using your savings.
Property Purchase
Put money towards an investment property or holiday home.
Business Plans
Start or grow your own business.
Education
Cover university or school fees.
Life Events
Weddings and other big occasions.
Helping Family
Support a loved one, such as with a house deposit.
Want to Know What You Could Borrow?
Talk to our team. We will look at your equity, your mortgage and your plans, then explain your options in plain English.
Secured Loan or Remortgage?
A secured loan may suit you if
- You are on a good mortgage rate you want to keep
- You would pay an early repayment charge to remortgage
- Your income or credit has changed since you got your mortgage
- You need the money in a few weeks
A remortgage may suit you if
- Your mortgage deal is ending soon
- You can get a better rate on the whole amount
- You want one loan and one payment
- There is no charge to leave your current lender
Not sure which is best? We compare both and show you the total cost of each. See our remortgage page for more.
How It Works
Free first chat
We talk about what you need and check your equity and income.
We search the market
We compare secured loan lenders to find ones that fit you.
Clear recommendation
We explain the rate, the fees and the total cost before you apply.
Application and funds
We handle the paperwork. Funds are released once the lender approves and the legal work is done.
Why Choose Mortgage & Finance Arena
70+ Years of Experience
Our team has over seven decades of combined experience in mortgages, insurance and finance.
Local and UK-Wide
We are based in Pride Park, Derby, and help homeowners across the UK.
Plain English
We explain each step and every cost before you commit.
We Do the Legwork
We handle the research, the paperwork and the lender.
Complex Cases Welcome
Self-employed income or past credit problems do not always rule you out.
FCA Regulated
Authorised and regulated by the Financial Conduct Authority (Ref: 706676).
Secured Loan FAQs
A secured loan sits alongside your mortgage as a second loan on your home. Remortgaging replaces your mortgage with a new one. A secured loan can suit you if you are on a good rate or would pay an early repayment charge to leave your mortgage.
Almost any legal purpose. The most common are home improvements, debt consolidation and large purchases.
Typically £10,000 to £250,000. It depends on the equity in your home and whether the repayments are affordable.
Often, yes. Lenders look at your equity, your income and your whole credit history, not only your score.
No single minimum applies. Equity, stable income and how much you borrow against your home’s value often matter more than the score alone.
We can arrange secured loans on most property types across the UK, from flats to rural homes and new builds to period properties.
Most secured loans complete in two to four weeks. Once the lender approves the loan and the legal work is done, the money is released within days.
Proof of identity and address, proof of income, details of your mortgage and recent bank statements.
Some lenders charge arrangement or valuation fees, and a broker fee may apply. We explain every fee in writing before you decide to go ahead.
Yes, but some lenders charge an early repayment fee. We check this for you before you apply.
Yes. We are based in Pride Park, Derby, and we help homeowners across the rest of the UK too.
Debt Consolidation Advice in Your Area
Local guides for homeowners across the Midlands.
Debt Consolidation in Derbyshire
How debt consolidation works for homeowners in this area.
Find Out MoreDebt Consolidation in Nottinghamshire
How debt consolidation works for homeowners in this area.
Find Out MoreDebt Consolidation in Staffordshire
How debt consolidation works for homeowners in this area.
Find Out MoreDebt Consolidation in Leicestershire
How debt consolidation works for homeowners in this area.
Find Out MoreDebt Consolidation in Warwickshire
How debt consolidation works for homeowners in this area.
Find Out MoreDebt Consolidation Across the UK
Outside these areas? We advise homeowners across the UK by phone and video call.
Book an AppointmentReady to Talk About a Secured Loan?
Tell us what you need and one of our team will call you back. There is no obligation.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Debt consolidation may increase the total amount you repay, especially over a longer term. Secured loans on buy to let property may not be regulated by the Financial Conduct Authority. Mortgage & Finance Arena Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 706676).
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Honest opinions from people like you
There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance area to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.
The advice and financial services I have recently had from Charlotte at Morgage And Finance Ltd in Derby has been first class. Very professional, helpful, efficient and supportive. I wholeheartedly recommend them.
Suzanne and Charlotte were amazing and made the process of buying our first home completely stress-free for us. They were both on hand if we ever had any problems/questions and always responded with knowledgeable and completely honest answers. I would highly recommend.
If I could rate this company more than 5 stars I would. I cannot fault the service and support my partner and I have received whilst getting our first mortgage together. Ian and Megan have been amazing, making the process completely stress free. They were both on hand if we ever had any questions. I would highly recommend. Thank you!
There simply are no superlatives sufficient to thank you for your fantastic service! I would highly recommend mortgage and finance arena to any of my friends or family looking for a mortgage. You’ve made our dreams come true! The team go above and beyond to make everything so easy.