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 £2.5m with terms available up to 30 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
  • High LTVs - up to 85% 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!


Quick Eligibility Calculator

Find the Secured Loan products you are most likely to get without harming your credit rating.

Got a question or want to speak to an advisor?

Have a look at our FAQs page.

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

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