YES, a Secured Loan can be secured against a rental property that you may own, or even a Portfolio of properties.

Homeowners can borrow up to £500,000 with terms available up to 35 years.

We offer competitive variable or tracker rates, with Fixed Rate and Interest Only products also available.

As well as the usual loan purposes like consolidation or home improvements a borrower can raise funds to pay a Tax Bill, Loans for a Business or a Property Purchase.

There are 2 classifications for Buy to Let Secured loans:

  • Unregulated BTL – a property you purchased for private rent; these loans are not regulated by the FCA.
  • Consumer BTL – a property you previously occupied or you inherited, these loans are regulated by the FCA.

Why Opt For A Second Charge Mortgage?

  • Further Borrowing – avoid product switches
  • Remortgage Declines – we have products to meet most customers circumstances
  • Use Property Portfolio – funds can be raised using multiple properties
  • Use Unencumbered Properties – raise funds for almost any purpose
  • LTVs - up to 75% of the property value
  • Affordability – can be based purely on rental income so can assist non-working customers OR if AST income is insufficient Employed/ Self-employed income can be used too
  • Most credit profiles accepted - missed / late payments on loans, credit cards and mortgages, accounts that are in default, outstanding CCJs, in a Debt Management Plan, even Discharged Bankrupts
  • Complex Reasons – Tax Bills, Loans for Business, 2nd Property Purchase, Lease Extensions

How Do I Compare Rates?

For a free, no obligation quote call us on FREE on 0800 032 4646.
Don’t Forget – making an enquiry will not affect your credit rating in any way!


Got a question or want to speak to an advisor?

Have a look at our Secured Loans page for FAQs.

Call us FREE on 0800 032 4646 or complete our 'Contact Us' form and we will call you back.

Contact Us

Customer Testimonials

"Outstanding Service and prompt approval."

5 stars service

Mr B, Romford
10 Jan 2021

"Very helpful and informative staff."

5 stars service

Mr M, Maidenhead
08 Jan 2021

"Great team and company .. I would have no hesitation in recommending them."

5 stars service

Mr R, London
13 Dec 2020

"Very helpful and patient team from start to finish, thanks again"

5 stars service

Mr H, Manchester
01 Dec 2020

"What can I say...amazing 5 star service is what you get. Very friendly, helpful and thoughtful."

5 stars service

Miss P, Liverpool
26 Nov 2020

"Absolutely outstanding service, clear explanations of every step of the process,...can't recommend highly enough!"

5 stars service

Mrs H, Dukinfield
26 Nov 2020

"Absolutely fantastic! Compassionate, friendly and dedicated staff."

5 stars service

Mr W, Exeter
20 Nov 2020

"I would recommend them to anyone and will hopefully use them again"

5 stars service

Mr G, Upminster
19 Nov 2020

"Very professional service, regular updates of how the application was progressing."

5 stars service

Mr A, Watford
11 Nov 2020

"At every step everything was explained, there were no issues and we were very happy at the way everyone tried to help the process along."

5 stars service

Mr G, Sudbury
03 Nov 2020

"Very professional, Staff very helpful"

5 stars service

Mr P, Solihull
27 Sep 2020

"Extremely supportive and easy to communicate with...Excellent customer service..."

5 stars service

Mrs W, Rochford
22 Sep 2020

"The Loans Engine provided an efficient and helpful service from start to finish."

5 stars service

Mr F, London
22 Sep 2020

"5 star service. The process was very professional and clear. Highly recommend. Looking forward to working with them again."

5 stars service

Mr K, London
17 Sep 2020

"Very diligent, professional and friendly people. Thanks for your help."

5 stars service

Mr DP, Skipton
04 Sep 2020

"Very patient, communication was excellent and ultimately helped me get the finance I needed. Would highly recommend!"

5 stars service

Mr H, Orpington
02 Sep 2020

"Very helpful at every stage. Very good communication. Highly recommended."

5 stars service

Mr S, Warminster
27 Aug 2020

"He helped us out without judgement and was very proactive, keeping us well informed throughout the process, which was extremely quick and hassle free."

5 stars service

Miss C, Newbury
27 Aug 2020

"They was fantastic from start to finish and very efficient, I would definitely recommend them again."

5 stars service

Mrs B, Manchester
21 Aug 2020

"100% efficient, helpful, professional and determined...We felt valued, cared for and important."

5 stars service

Mr LR, Dereham
14 Aug 2020

"Great service and prompt responses."

5 stars service

Mrs L, Braintree
02 Aug 2020

"They have been supportive during the course of the application process. They work pretty quickly on your application once it's submitted....."

5 stars service

Ms F, Dover
31 Jul 2020

"Excellent, both Lloyd and Matt were professional and friendly."

5 stars service

Miss D, Norwich
27 Jul 2020

"Excellent end to end service provided."

5 stars service

Mr O, Bolton
19 Jul 2020

Feefo Platinum Service Award