Secured Loans

When a further advance or remortgage with capital raising isn’t possible with your high street lender, a second charge secured loan product may be the best solution.

Available for any legal purpose, a second charge secured loan is most commonly used for home improvements and debt consolidation.

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Our Areas of Expertise

Diverse Secured Loan Services

Explore our range of secured loan services, designed to address your varied financial scenarios and investment strategies with precision and efficiency.

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Personalised Consultation

In-depth analysis to comprehend your unique financial needs and aspirations.

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Strategic Financial Planning

Crafting personalised financial strategies centered around Secured Loans.

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Application Assistantce

Comprehensive support through every step of the application and approval process.

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Ongoing Support

Continual advice and support to ensure smooth implementation and accomplishment of your financial goals.

Secured Loans FAQs

Find answers to the most commonly asked questions about our Secured Loans.

What is a second charge secured loan?
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A second charge secured loan is a type of loan that’s secured against a property, in addition to the primary mortgage. It’s sometimes also referred to as a homeowner loan, home loan or second-charge mortgage.

What can I use a second charge secured loan for?
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A second charge secured loan can be used for a variety of purposes, such as home improvements, debt consolidation, or to finance a large purchase.

How much can I borrow with a second charge secured loan?
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The amount you can borrow with a second charge secured loan can vary depending on the lender and the value of the property being used as security.

What assets can I use as security for a second charge secured loan?
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A second charge secured loan can be secured against a range of assets, including residential and commercial properties, buy-to-let properties, and high-value assets such as luxury cars and fine art.

What are the eligibility criteria for a second charge secured loan?
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The eligibility criteria for a second charge secured loan can vary depending on the lender. However, at Ramsay & White, we consider factors such as the value of the property being used as security, your credit history, and your ability to repay the loan when assessing your eligibility for a second charge secured loan.

How can I apply for a second charge secured loan with Ramsay & White?
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To apply for a second charge secured loan with Ramsay & White, simply get in touch with one of our expert advisors, who will guide you through the process and help you find the right second charge secured loan product for your needs.

What are the eligibility criteria for a second charge secured loan?
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The eligibility criteria for a second charge secured loan can vary depending on the lender. However, at Ramsay & White, we consider factors such as the value of the property being used as security, your credit history and your ability to repay the loan when assessing your eligibility for a second charge secured loan.

Is it better to get a secured loan or remortgage?
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Which product you choose depends on your needs and circumstances.

A secured loan is an excellent choice for raising money quickly even if you have bad credit. It also lets you avoid the expenses and complications of remortgaging your property.

On the other hand, remortgaging is better when you’ve come to the end of your mortgage term and want to negotiate a lower interest rate. If you have good credit, you should be able to remortgage your property without issue.

Are there second charge secured loans for pensions?
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Plenty of lenders are willing to offer secured homeowner loans for pensions and retired people aged 60, 70 or even 80 years old. Be aware that, as an older borrow, certain limitations may be applied to your loan term.

Can I get secured loans on buy-to-let property?
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You can use any rental property you own as collateral for buy-to-let secured loans. That includes single-family houses, houses in multiple occupation (HMOs) and holiday let property. Buy-to-let secured loans let you quickly raise money without putting your own home at risk.

Have More Questions?
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Transformative Client Experiences

Listen to the narratives of our esteemed clients, whose financial trajectories have been positively influenced by our innovative property finance solutions.

Worked for Joel and the whole team for over 4 years now. Residential, commercial and bridging finance. Always super professional, quick, efficient, helpful and on the end of a call anytime. Highly recommended and we see them as an extension of our own team.

Steven Pardoe

Special thanks to Olly & Will for helping me as a first time buyer. Replies were prompt and they provided me with regular updates. Completely put me at ease, they explained the process and how to get the best deals! Would highly recommend, great customer service.

Alice Evans

Great service from Ramsay & White. Joel took the time to meet via zoom to fully understand my requirements before recommending any services/products moving forward. Will Roberts provided weekly+ updates for remortgage and quickly found alternative offers when required. Remortgage completed quickly and without any issues. Excellent customer service, friendly and professional. I would highly recommend!

Ray Dainton

We did our mortgage and remortgage with Hannah Price, she was fantastic! She was very knowledgable and helped us find the best offers for us! I would definitely recommend her to anyone!

Jordanne Casburn

Glad I used Ramsay & White (Jordan and Dean in particular) for a BTL mortgage. They were professional and responsive, and I was able to get an offer from the bank in timely manner. I would highly recommend R&W, they are great!

Emmanuel Unuigboje

Thank you for another easy re-mortgage on one of our properties. You guys are always so helpful and keep us informed each step of the way! We couldn't do what we do with you and your team.

Felicity Antill

I've completed multiple mortgages with help from Chris at Ramsay & White, and intend to do many more, because of Chris's overall excellent service. I would highly recommend. Thanks Chris.

Matt W.

Great service from Indigo at Ramsay & White. She is very knowledgable and super responsive - and has got the mortgage offer through in record time! Thank you so much for all of your time and support, Indigo.

Nadine Jump
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