Second Charge Secured Loans
Unlock equity without changing your main mortgage
A second charge secured loan can be a flexible way to raise capital against your home or investment property without remortgaging your existing deal. Whether you need funds for renovations, debt consolidation, a business venture, or a time-sensitive opportunity, this type of finance can offer speed, flexibility, and competitive rates.
We help homeowners and landlords access secured loans quickly and simply. We work with a wide panel of lenders to find the most suitable solution for your circumstances.
What is a second charge mortgage?
- Home improvements or extensions
- Consolidating higher-interest debts
- Funding business plans or investments
- Helping with school fees or major purchases
- Raising capital without disturbing your main mortgage
Who can use a secured loan?
Why choose a second charge loan over a remortgage?
There are several reasons why people prefer a second charge mortgage:
- Avoid losing a favourable mortgage rate
- No early repayment charges on your first mortgage
- Faster to arrange than some remortgages
- Suitable if your income or credit profile has changed
- Can be used to raise larger sums with more flexible terms
If you’re not sure which option is best, we will compare the pros and cons for your situation and help you decide.
Why choose Envelop Finance?
We offer:
- Access to the full UK secured loan company market
- Competitive terms for both prime and credit-impaired applicants
- Fast decisions and smooth processing
- Clear, jargon-free guidance
- Personal service from the best secured loan company in the UK
Secured loan features
We arrange a wide range of secured loans, including:
- Fixed and variable rates
- Terms from 3 to 30 years
- Interest-only or capital repayment
- Loans for residential, BTL, and mixed-use properties
- Secured short-term loan options are also available
Our team will find the most competitive structure to meet your needs and monthly budget.
What can a second charge
secured loan be used for?
Want to know more about secured or second charge loans?
Get started today
If you need to raise capital and want flexible, cost-effective borrowing, a second charge secured loan may be the right fit. Speak to our expert team or apply now using our online secured loans platform.
You can apply for an online secured loan using our secure form or speak directly with one of our advisers for a more personalised recommendation.
Apply for an online secured loan
We offer quick access to fast online secured loans through our panel of trusted lenders. Whether you are looking for a secured homeowner loan or a secured property loan for investment purposes, our process is efficient and straightforward.
We are proud to be recognised as the best secured loan broker, providing honest, expert guidance from start to finish.
