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Spread the cost of a big purchase with a secured loan against your property. Secured loans are sometimes called homeowner loans too.
Why Find Secured Loans via WeTrust
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Some of The Providers
Secured Loans for Home Improvements
Improve Your Home: Whole-of-Market Secured Loan Advice for Renovations and Extensions
A new kitchen, a loft conversion or an energy-efficiency upgrade can make a real difference to how you live — but bigger projects need bigger budgets. A secured loan, also called a homeowner loan or second charge mortgage, lets you borrow against the equity in your home while your existing mortgage deal stays exactly as it is. WeTrust refers homeowners to advisers at Ingard Financial, whose whole-of-market access covers specialist second charge lenders as well as mainstream mortgage lenders.
Because Ingard’s advisers search the whole market, they can compare a secured loan with the alternatives — such as a further advance from your current lender or a remortgage — and explain which suits your budget before you commit. Secured loans are typically available over terms of 3 to 30 years, depending on the lender and your circumstances; a longer term lowers your monthly repayments but increases the total you repay.
Secured Loans for Debt Consolidation
Simplify Your Repayments: Specialist Advice on Consolidating Debts
If you’re juggling several credit cards, loans or store cards, rolling them into one secured loan can mean a single monthly payment, sometimes at a lower rate than unsecured borrowing. But it isn’t the right move for everyone. Spreading debts over a longer term can mean you repay more in total, and debts that weren’t secured on your home would become secured on it.
WeTrust refers you to Ingard Financial’s advisers, who look at your full financial picture — including whether consolidating makes sense at all — and show you the total cost of your options side by side before you decide. If you’re finding it hard to keep up with your debts, free and impartial help is also available from MoneyHelper.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Whatever Your Borrowing Story
Not every homeowner fits neatly into a mainstream lender’s tick-box criteria — and that’s exactly where Ingard’s advisers specialise. Whether you’re self-employed with income that doesn’t look like a standard payslip, carrying a poor or thin credit history, or juggling a more complex financial picture, Ingard’s advisers are specifically trained in the kind of complex borrowing needs that many mainstream advisers shy away from.
That doesn’t mean every application will succeed, or that every borrower gets the same rate — and borrowing secured on your home should never be rushed. But it does mean you’re less likely to be turned away at the first hurdle simply because your circumstances don’t fit a standard form.
- Self-employed or contractor income
- Credit history issues, including missed payments, defaults or CCJs
- Complex or multiple income sources
- Homeowners turned down for a remortgage or further advance
- Later-life and non-standard lending needs
How WeTrust Secured Loans Work?
Whatever you’re borrowing for — home improvements, consolidating debts or another major expense — WeTrust’s role is to refer you to Ingard Financial’s whole-of-market advisers, who compare deals from specialist second charge lenders and mainstream mortgage lenders to find options suited to you. There’s no cost to you for this referral, and no obligation to proceed.
Whole of Market
Ingard’s advisers look at every product in the marketplace rather than a restricted panel, which means more of the market gets considered before a recommendation is made — including many specialist lenders who only accept applications through advisers.
Fee-Free Advice
Using WeTrust to be referred to an adviser costs you nothing, and Ingard’s initial secured loan advice is fee-free too. Ingard may charges an offer fee , payable only once your lender issues a formal loan offer, and your adviser will confirm it in writing before you commit to anything.
30 Years Experience
WeTrust has no ownership stake in any lender nor our partners, Ingard have nothing to gain by pointing you anywhere other than what suits your situation. And because Ingard has been giving advice since 1991, your recommendation comes from a team that’s seen a lot of markets, not just this one.
As Easy as 1, 2, 3
WeTrust makes finding secured loans easy and fast. Fill us in on how much you’re looking for, and one of our partner’s award winning whole of market loan adviser & loan experts will help you find the right loan.
Share Your Details
Getting started takes a few minutes: gather the basics — how much you’d like to borrow and what for, your home’s estimated value, what’s left on your mortgage and your income — and share them through our short form. We only ask for what’s needed to match you with the right adviser, and making an enquiry doesn’t involve a credit check.
On consent: You’ll be asked to actively opt in if you’d like to hear from us about other offers — we don’t use pre-ticked boxes, and you can see exactly how your data is used in our Privacy Policy before you submit anything.
Speak to a Secured Loan Adviser
We’ll pass your details to Ingard Financial, who will match you with one of their advisers, based in offices across the UK. They’ll review your circumstances and talk you through whole-of-market options suited to your budget and goals, in plain English — this is where you receive actual, regulated advice, not before.
Start Your Secured Loan Application
If you decide to go ahead, your adviser manages the application from start to finish and keeps you updated at each stage. Ingard’s offer fee (agreed in advance) only becomes payable once your lender issues a formal secured loan offer. That fee, and any lender fees, will have already been set out to you in writing before you reach this point.
Trusty's First-Meeting Checklist
Walking into your first conversation with a secured loan adviser is easier when you know what to ask and what to bring. This checklist is general information to help you prepare — it isn’t personalised advice.
Questions Worth Asking
- What’s the total amount I’ll repay? — Ask for the full cost over the whole term, including Ingard’s offer fee, any lender arrangement fee and valuation costs, not just the monthly payment.
- Would a remortgage or further advance cost less? — A whole-of-market adviser should compare these with a secured loan and tell you plainly if another route works out cheaper.
- Are there early repayment charges? — Check what it would cost to repay the loan early, or to sell or remortgage during a fixed-rate period.
- How would a rate rise affect my budget? — If the rate is variable, or changes after a fixed period, ask how a 1–2 percentage point rise would change your monthly repayments.
- Is consolidating my debts the right move? — If you’re rolling other debts into the loan, ask to see the total cost with and without consolidating.
- What if my situation isn’t straightforward? — If you’re self-employed, have credit issues, or a complex income, ask directly — it’s exactly the kind of case Ingard’s advisers are trained to handle.
Your Fact-Find Document Pack
- Proof of income — your last 3 months’ payslips, or 2 years of certified accounts/SA302s if you’re self-employed.
- Bank statements — many lenders want to see your last 90 days of account activity.
- Mortgage details — your latest mortgage statement, showing your lender, balance and monthly payment.
- Debts you plan to clear — recent statements for any credit cards or loans you’re thinking of consolidating.
- ID and address — a valid passport or driving licence, plus a utility bill dated within the last 3 months.
Having these ready helps your adviser focus their time on finding the right option for you, rather than chasing paperwork.
Trusty’s Secured Loan Knowledge Hub: FAQs
What is a secured loan?
A secured loan is a loan that uses your home as security. Because the lender can recover the debt from your property, you can often borrow more, over a longer term, than with an unsecured personal loan. The trade-off is serious: if you don’t keep up repayments, your home may be repossessed.
Is a secured loan the same as a homeowner loan or a second charge mortgage?
Yes — they’re three names for the same thing: a loan secured on your home that ranks behind your main mortgage, as the second ‘charge’ on your property. Since 21 March 2016, second charge mortgages have been regulated by the Financial Conduct Authority under the same mortgage rules as first mortgages.
How much can I borrow with a secured loan?
It depends on your equity, income, outgoings and credit history. Lenders usually cap your total borrowing — your mortgage plus the new loan — at a percentage of your home’s value, known as the loan-to-value (LTV). As a purely illustrative example, on a £300,000 home with £150,000 left on the mortgage, a lender with an 80% LTV limit would consider lending up to £90,000, subject to affordability checks. Limits vary by lender.
What can I use a secured loan for?
Most lenders will consider any legal purpose, such as home improvements, consolidating debts, a large purchase, helping family or paying a tax bill. Your adviser will check the lender is comfortable with your plans before you apply.
Is a secured loan a good way to consolidate debts?
It can be, but think carefully first. One secured loan can lower your monthly payments, but spreading debts over a longer term may mean you repay more in total, and debts that weren’t secured on your home will become secured on it. An adviser can show you the total cost of each option side by side.
Is a secured loan better than remortgaging?
Sometimes, but not always. A secured loan can work out cheaper if remortgaging would mean paying an early repayment charge or giving up a competitive rate on your current mortgage. If your current deal is ending anyway, remortgaging may cost less overall — an adviser can compare both for you.
Can I get a secured loan if I'm self-employed or have bad credit?
It’s often more possible than people assume. Ingard’s advisers are specifically trained to work with borrowers whose circumstances don’t fit a standard application, including self-employed income, missed payments, defaults or CCJs. Rates may be higher and not every application will succeed, so your adviser will be upfront about the cost and whether securing more borrowing on your home is the right move.
Will making an enquiry affect my credit score?
No. Making an enquiry through WeTrust doesn’t involve a credit check. If you decide to apply, the lender will carry out a full credit check, which will show on your credit file.
Are there any fees?
There’s no charge for WeTrust to refer you, and Ingard Financial’s advice is fee-free. Ingard charges an offer fee, payable only once your lender issues a formal loan offer. Lenders often charge fees too, such as an arrangement or valuation fee, and every fee will be confirmed with you directly and in writing before you commit.
How long does it take to get a secured loan?
Timescales vary by lender and depend on how quickly your documents and the valuation come through. The main stages are your adviser’s research, the application, a valuation of your home and the lender’s final checks. Your adviser can give you a realistic timeline once they know your circumstances.
What happens if I sell my home, remortgage or want to repay early?
You can usually repay a secured loan early, although an early repayment charge may apply, particularly during a fixed-rate period. If you sell your home or remortgage, the secured loan will usually need to be repaid at that point. Your adviser can explain the terms before you commit.
What happens if I can't keep up my repayments?
Contact your lender as soon as possible. Lenders must follow FCA rules on dealing with payment difficulties, with repossession as a last resort, but missed payments will harm your credit file and your home could ultimately be repossessed. Free, impartial debt advice is available from MoneyHelper.
Do I need my current mortgage lender's permission to take out a secured loan?
It depends on your mortgage terms, so check before you apply. A secured loan sits behind your main mortgage as a second charge, so your existing mortgage deal stays in place. Some mortgage agreements do restrict further borrowing secured on your home, though. Your adviser can help you check this, and the secured loan lender will carry out its own checks on your property and existing mortgage.
What is the difference between a secured loan and an unsecured personal loan?
A secured loan is tied to your home, while an unsecured personal loan isn’t tied to any asset. Because the lender has your property as security, secured loans can often offer larger amounts over longer terms. The trade-off is greater risk: your home may be repossessed if you don’t keep up repayments. An adviser can help you weigh up whether securing more borrowing on your home is the right step for you.
What is equity, and how do I work out how much I have?
Equity is the part of your home you own outright: its current value minus what you still owe on your mortgage. As a purely illustrative example, a home worth £300,000 with £150,000 left on the mortgage has £150,000 of equity, or 50% of its value. Lenders won’t lend all of it, because they set a maximum loan-to-value, and they arrange their own valuation, so your figure is an estimate until then.
Can I get a secured loan if I'm retired or over 60?
Possibly, as age limits and criteria vary from lender to lender. Lenders will look at whether you can afford repayments from your pension or other income. Some also set a maximum age at the end of the loan term, which can limit how long a term you can choose. Ingard’s advisers can explain which options may suit you and whether borrowing against your home is the right step.
Is my home at risk if I take out a secured loan?
Yes. Because the loan is secured on your property, your home may be repossessed if you don’t keep up repayments. Lenders must treat customers in payment difficulty fairly, with repossession as a last resort, but the risk is real. Only borrow what you can comfortably repay, and ask your adviser to show you the full cost before you commit. Free, impartial debt advice is available from MoneyHelper.
Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home.
What documents do I need to apply for a secured loan?
Lenders typically ask for proof of ID and address, proof of income, recent bank statements and details of your existing mortgage. If you’re employed, that usually means recent payslips. If you’re self-employed, lenders often want accounts or tax calculations covering the last two years. Requirements vary by lender, so your adviser will confirm exactly what’s needed, and having your documents ready can help things move faster.
DISCLAIMERS: Second Charge Mortgages: Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home.
Debt Consolidation Mortgages: Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Remortgages: Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.