Secured loans
- Consolidate your debts into one monthly payment.
- In 2025, our clients cut monthly outgoings by £851 on average.*
- Unlock funds for home improvements, or any other purpose.
Loans are secured against property. 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. We do not offer mortgages from high street lenders, so you should apply there first. Consolidating debts can extend your repayment term and may increase the total amount you repay. *Average reduction for 2025 clients so far, where the purpose was debt consolidation. Be aware, this will vary depending on your circumstances and the product chosen.
Why choose a secured loan?
If you're a homeowner looking to raise extra funds without affecting your current mortgage, a secured loan could be an alternative.
Why a secured loan may work for you:
✅ Access larger loan amounts: Borrow from £5,000 up to £1 million, often more than what’s available through an unsecured loan.
✅ Keep your existing mortgage: Since it's a separate loan to your first mortgage, your current rate and term remain untouched.
✅ Flexible repayment terms: Spread repayments over 3 to 30 years, helping you manage your monthly costs.
✅ Use the funds for any purpose: Whether it’s debt consolidation, home improvements, a wedding, or a second property deposit, use the funds for any legal purpose.
To qualify, you must be a UK homeowner aged 18–85, earning at least £20,000 annually.
As with any secured loan, your home may be at risk if you don't keep up with repayments. Also, spreading repayments over a longer period could increase the total interest paid.
What our customers say:
We ask independent review website Feefo to secure feedback from our customers, here is what they have to say about working with us:
"Excellent service and advice. The service was 1st class, they held our hands right through and explained everything very clearly."
16 Apr 2025
"I had a great experience working with Loans Engine for my second charge mortgage. From the very beginning, their team was incredibly helpful, guiding me through the process with clear communication and professionalism. They arranged the loan efficiently, making everything smooth and hassle-free."
13 Mar 2025
"Everyone we dealt with at the Loans Engine was incredible helpful, knowledgeable and understanding of the situation. Couldn’t recommend enough."
12 Mar 2025
"Delightful experience. They had a clear understanding of the process and were on top of everything till the disbursement."
08 Mar 2025
We can offer:
- Fixed rates, so you can budget with ease;
- Competitive interest rates, to try and keep your monthly costs down;
- Quick lending decisions, so you can start your plans right away;
- Range of products, to try and find you a loan that meets your needs;
- A qualified advsior who will guide you through the process and handle the work for you.