Discover a Great Secured Loan
Complete Our Fast 30-Second Quiz
Flexible, low-cost secured loans for mortgage holders. Have a mortgage? Enjoy peace of mind.
- Loans from £10k to £2.5m
- Borrow up to 120% of Your Home Value
- Won't Impact Your Credit Score
- Free, No Obligation Quotes
As one of the UK’s Leading Secured Lending Companies, Our Goal is...
To Listen
Understanding our customers as individuals is essential to our service. We listen to every situation and recognize that everyone has unique needs. We’re here to help.
To Inform
We aim to offer products and services that meet each customer’s needs. Fair treatment comes through our informative, honest, and unbiased advice.
To Help
We aim to make it simple for customers to access financing with trusted guidance. Our goal is to help you move forward with confidence.
Why Now Is the Perfect Time for Mortgage Holders to Get a Secured Loan
Borrowing remains historically low, but interest rates are on the rise. A secured loan can be an affordable way to consolidate debts, fund home improvements, or take advantage of low-rate borrowing without facing penalties from changing your mortgage.
Smart homeowners are seizing this opportunity by:
- Paying off high-interest debts and consolidating what they owe
- Accessing extra funds for home improvements or a second property deposit
- Borrowing more without altering their mortgage or triggering early repayment charges
Interest rates this low are rare. Don’t miss your chance—discover how much you could borrow today with our free 30-second online check.
Get Access to Great Finance in 3 Simple Steps...
Complete our free 30-second online check
Get an instant quote via text or chat with one of our friendly experts — free of charge
Sit back and relax — our experts will take care of everything!
What Customers Say About Their Experience
We take pride in what we do, and that’s reflected in what our customers say about us. Below is a collection of feedback we’ve received through Feefo. We hope you’ll see that we deliver on our promises, listen to your needs, provide the best guidance, and help you reach your goals.
Secured Lending Companies Frequently Asked Questions
If your case is simple, we can complete it within a week. However, depending on the complexity, it may take up to three weeks. Completing our assessment helps us speed up the process for you.
For many with bad credit, homeowner loans can be a real solution. They allow debt consolidation and help rebuild credit at the same time.
Don’t worry if you’ve been declined elsewhere — we’re specialists who find solutions where others can’t. We assess every situation and aim to help you find the right option.
No, there’s no obligation after applying. Our advisers are here to guide and assist, not pressure you. If we can provide valuable information and help you progress, that’s all we aim for.
The average loan is around £35,000. Many homeowners use secured loans to fund home improvements or consolidate debts, allowing low-cost borrowing without early repayment penalties on existing mortgages.
You can choose a loan term that suits your needs — most customers select between 3 and 25 years, though some lenders offer longer terms.
Yes, it is. Most people remortgage at the end of a fixed term to secure a better mortgage deal. A homeowner loan is ideal for those who already have a mortgage and don’t want to remortgage — either due to credit challenges or early repayment penalties. With a homeowner loan, you can finance renovations, purchases, or consolidate debts without penalties, and repay it on a schedule that suits you.
We receive a commission from the lender, which does not affect your loan cost or the interest rate you pay.
Each case is unique, and with hundreds of lenders and thousands of products, our whole-of-market experts help match you with the most suitable and cost-effective option.
Our team adds real value — speaking with us can uncover better ways to manage your finances, offering more flexibility and competitive rates.
An online-only process can’t understand the person behind the application, which is a key factor in making the right financial decision.
Talking to us also helps tailor a solution around your long-term goals, like future remortgaging plans or credit rebuilding.
You’ll have one dedicated contact who understands your goals and situation. Our team works behind the scenes, but your single point of contact ensures everything stays smooth, simple, and efficient.
Financial Disclosure: Your home may be at risk if you do not keep up repayments. Think carefully about securing debt against your home.
When consolidating existing borrowing, be aware that extending the term could increase the amount repaid.
Living in the UK? Have a Mortgage? Let’s Get You Started!
Our brokers work with lenders who support mortgage holders from all walks of life and financial situations. By understanding your needs and options, they’ll find the best solution tailored to your circumstances.
It only takes 30 seconds to make an enquiry, and it won’t affect your credit score.
Get in touch
Beagle Finance operates under the trading name of Simple Financial Planning Ltd, established in 2013 (reg: SC457259). Simple Financial Planning is authorised and regulated by the Financial Conduct Authority (reg: 617941) and registered with the Office of the Information Commissioner (reg: ZA027026).
Please think carefully before securing other debts against your home. Your property may be repossessed if you fail to keep up repayments on your mortgage or any other secured borrowing.
The FCA does not regulate certain types of Buy to Let mortgages.
Representative Example:
If you borrow £10,000 over 10 years at an annual interest rate of 5.14% (variable), you’ll make 120 monthly payments of £122.71. The total amount repayable will be £14,725.20 (including a lender fee of £495 and a broker fee of £1,000 added to the loan). The overall representative APRC is 8.6%. Maximum APR 65.2%.
Copyright © 2022 Beagle Finance. All Rights Reserved.