Secured Loans

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

Available for any legal purpose, a second charge 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 is secured against a property, in addition to the primary 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.

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Have More Questions?
Schedule a Call with our Team

Transformative Client Experiences

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

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

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

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

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

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.

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

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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