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Secured personal loans for debt consolidation

Take control of your finances.

  • Borrow from £25,000 to £1,000,000.*
  • Over 3 to 30 years.
  • Variable and fixed-rate options.
  • Interest-only options available.
  • No Early Repayment Charges.
*The maximum loan offered may be reduced depending on the property and your credit profile.
  4.6/5 average rating by independent customer

In order to best support our existing customers in these unprecedented times, we have made the difficult decision to stop accepting new product applications for the time being.
If you already have an application in progress with us and wish to discuss it, please get in touch with your introducing broker or contact us on 0161 933 7113.

Trying to manage multiple debts? Prefer a single and potentially lower monthly payment? We could help you take control

Managing multiple debts?

If you would prefer a single – and potentially lower – monthly repayment, we could help.

You could use the equity you’ve previously built up in your home to pay off your existing unsecured debts. Even if you already have a mortgage on your home.

Remember: depending on the rate and length of the loan you use to consolidate your debt, you may end up repaying more in total.


Life doesn’t stand still

And your credit rating is just a moment in time.

So we appreciate your employment status may have changed, or you may have had to use payday loans to help manage your money. But that doesn’t mean you're automatically excluded from borrowing with us.

We get to know you and your circumstances – not just your credit rating – and always do the sums to check you can afford the repayments after paying off your other debts.

It’s not rocket science, but it means we can lend in many cases that mainstream lenders can’t.


Like if:
  • You’ve already retired, or will retire before paying off the loan.
  • You’re self-employed.
  • You work several jobs, or have a zero-hours contract.
  • You rely on bonuses, overtime, or tax credits to top up your wages.
  • You have missed payments in the past.
  • The property being used to secure the loan is high-rise, has a timber frame, or is made of non-standard materials like concrete.

And these are only examples. There are many more circumstances where we may be able help.


Overall cost for comparison

For example: A mortgage of £73,500 payable over 20 years, initially on a fixed rate for 5 years at 7.40% (and then on a tracker rate for the remaining 15 years at 1.8% above the Together Homeowner Managed Rate (THMR)) would require 60 instalments of £601.62 followed by 180 monthly payments of £574.21 plus a redemption administration fee of £110.00.

The total amount payable would be £139,565 made up of the loan amount (£73,500) plus interest on the loan (£62,712), arrangement fee (£1,750) plus interest on this fee (£1,493) and the redemption administration fee (£110.00).

The overall cost for comparison is 7.6% APRC representative.

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.



In order to best support our existing customers in these unprecedented times, we have made the difficult decision to stop accepting new product applications for the time being.
If you already have an application in progress with us and wish to discuss it, please get in touch with your introducing broker or contact us on 0161 933 7113.

Consolidating unsecured debt through secured lending could increase the total amount you pay back. Your home may be repossessed if you do not keep up repayments on your loan.

Build: 1.3.7.20756