Second Charge Mortgages Made Simple,
Save £1,000s
Up to 50% Less Costs.
Best Rates. Best Value.
Why Pay More?
“Excellent company, half the price of competitors” Timothy Healy @ Reviews.co.uk
Rate Calculator
Amount Calculator
Second Charge Mortgages for any Purpose
Save money each month by consolidating your expensive debt.
Doing some home improvements? Need a new kitchen or extending your home?
Whatever the reason we will find the perfect solution.
✓ 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
Winner: Second Charge Mortgages Broker of the Year
Lender Rates Calculator
Rate & Monthly Payment Calculator
Use the calculator to see the rates from the top secured loan lenders (subject to status).
Borrowing Calculator
How much can I borrow?
Use the secured loans calculator to see how much you could borrow (subject to status).
Debt Consolidation made Simple
“Loan.co.uk managed to reduce my payments from £1,500 a month to less than £300 – Lifechanging.” Ben @ Trustpilot
Struggling with High Monthly Payments?
Paying too much for credit cards and loans? Home improvements, taking a backseat? Want to simplify your debts, and save money each month? Our debt consolidation plan makes it possible.
Save up to 75% on your Current Monthly Payments
Tired of juggling multiple debts and high monthly payments? A secured loan from loan.co.uk can help you save up to 75% on your monthly repayments, giving you the breathing room you need to take control of your finances.
Regain Control and Consolidate Your Debts
By consolidating your debts into a single, manageable payment, you can simplify your life and get back on track. Plus, you might even have some extra funds left over for those home improvements you’ve been putting off.
Don’t let debt control your life any longer. Take the first step towards financial freedom with our secured loan debt consolidation solution today!
“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.” Julie @ Trustpilot
Up to 50% lower costs than all other major brokers
Winner: Second Charge Mortgages Broker of the Year
BEST VALUE
Catch Z’s,
Not Fees
- Rest easy with up to 50% lower costs
- No upfront fees
- Free property valuation & legal costs
“their fees are the cheapest in the market, and they really do care about getting you the right product”
BETTER SERVICE
Say hello to
5-star service
- No sales pressure, just support
- Personal friendly UK expert
- Transparent journey in our app
“they explained everything super clearly and a first class service from start to finish”
Up to 50% lower costs than all other major brokers
Winner: Second Charge Mortgages Broker of the Year
Your easy, 3-step journey to the Ideal loan
Finding the right loan can feel overwhelming! Let Albot, our friendly AI helper, be your guide. Albot will compare loans from top lenders in seconds, finding the best rates for your needs. It’s simple, stress-free, totally secure and won’t to affect your credit score.
Apply now and let ALBOT work its magic!
1. Fast Online Application: Our chat application takes the pain out of loan searching. No paperwork, no credit score worries.
2. AI-Powered Matchmaking: Albot, instantly compares thousands of loans to find your perfect match, at the best possible rate.
3. Relax! Let us do the heavy lifting. Just sit back until your loan arrives.
Up to 50% lower costs than all other major brokers
Winner: Second Charge Mortgages Broker of the Year
Don’t just take our word for it
☆☆☆☆☆
4,000 5-star reviews
on Reviews.co.uk & Trustpilot.com
Winner: Second Charge Mortgages Broker of the Year
D. Straun
“From start to finish, the whole experience has been amazing! No complaints whatsoever, all so very supportive I would definitely recommend this company to help with all your financial needs if I could give 15 stars, I would!”
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
Angela Jones
“Loan.co.uk have been brilliant, they managed to get a secured loan to consolidate all of my debt and a big chunk of cash to remodel my garden and buy a hot tub. saving me £700 a month.”
VERIFIED REVIEW
Up to 50% lower costs than all other major brokers
Winner: Second Charge Mortgages Broker of the Year
Second Charge Mortgages & Secured 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. Broker fees are subject to status, loan amount and lender plan. Rates depend on your circumstances. Loans are subject to approval.
Representative Example for secured loans & Second Charge Mortgages: If you borrow £18,000 over 10 years, initially on a fixed rate for 5 years at 7.4% and for the remaining 5 years on the Lender's standard variable rate of 7.9%, you would make 60 monthly payments of £249.27 and 60 monthly payments of £254.63. The total amount of credit is £19,657 (this includes a Lender Fee of £595 and a Broker Fee of £1,062). The total repayable would be £30,234.00. The overall cost for comparison is 10.42% APRC representative. 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.