Wales' trusted mortgage & secured loan broker.
Based in Cardiff and serving homeowners across all of Wales — from Swansea to Wrexham, Newport to Bangor. We compare 30+ specialist lenders to find the right secured loan, mortgage or finance solution for your circumstances. All credit profiles considered. Bilingual service in English and Cymraeg.
- Based in Cardiff, serving all of Wales
- 30+ lenders compared across our panel
- All credit profiles considered
- No credit impact to enquire
How can we help homeowners in Wales?
Select a service to get started. We search the whole market for Welsh homeowners — no credit impact, no obligation.
Not sure where to start? Our Cardiff-based team will call you back within one working day.
Our lender panel
Debt consolidation
Switch credit cards, loans and overdrafts to:
- Lower rates
- Longer repayment terms
- 1 affordable monthly payment
* Based on typical cases. Actual savings depend on your circumstances.
Our services across Wales
Everything Welsh homeowners need — under one roof
Mortgages in Wales
First time buyers, remortgages and product transfers for Welsh homeowners. We search 30+ lenders for your best rate.
Explore →Secured Loans Wales
Borrow against your Welsh property for home improvements, debt consolidation and more. Rates from 6.34%.
Explore →Personal Loans
Unsecured borrowing from £1,000 to £25,000 with fixed monthly repayments — your home is never at risk.
Explore →Commercial Finance Wales
Commercial mortgages, business loans and development finance for Welsh businesses and property.
Explore →Income Protection
Protect your income and keep your mortgage paid if illness or redundancy strikes. Welsh families covered.
Explore →Life Assurance
Peace of mind for your family — term life, decreasing cover and whole of life policies across Wales.
Explore →Bridging Loans Wales
Fast, flexible short-term finance for Welsh property — auction purchases, chain-break, renovation and more.
Explore →Equity Release Wales
Access the value tied up in your Welsh home from age 55 — no monthly repayments, retain full ownership.
Explore →Business Loans Wales
Unsecured and secured business lending for Welsh businesses — working capital to growth finance.
Explore →Free tools
Financial calculators for Welsh homeowners
Free, instant and no credit check. Use our tools to understand your options before speaking to an adviser.
Secured Loan Quote
Compare live indicative rates from multiple lenders in seconds. No credit check.
Open tool →📅Fixed Rate Expiry Planner
See exactly how your mortgage payment changes when your fixed rate ends.
Open tool →🧙Rate Expiry Wizard
Answer 4 quick questions and get a personalised AI explanation of your situation.
Open tool →🏠Mortgage Affordability
Find out how much you can borrow based on your income, outgoings and deposit.
Open tool →🏷️LTT Calculator
Calculate Land Transaction Tax on Welsh property purchases for 2025–26.
Open tool →🔢Loan Repayment Calculator
Calculate monthly repayments on any secured loan amount and term.
Open tool →Compare secured loan rates
Adjust the sliders to see live quotes from our lender panel. Click "Enquire" to speak to an adviser.
Search criteria
Used to calculate LTV
Leave blank if none
Credit profile
Amount
£50,000
Term
10yr
| Lender | Product | Rate | Monthly | Period | APRC | Fee | |
|---|---|---|---|---|---|---|---|
 | Home Equity Loan 5yr Fixed | 6.34% | £575/mo | 5yr Fixed | 7.0% | £995 | |
| Home Equity Loan 5yr Fixed | 6.39% | £576/mo | 5yr Fixed | 7.0% | £995 | |
 | Second Charge 5yr Fixed | 6.99% | £592/mo | 5yr Fixed | 7.9% | £995 | |
 | Optimal Zero 5yr Fixed | 7.61% | £608/mo | 5yr Fixed | 8.4% | £995 | |
| Optimal Zero 2yr Fixed | 7.90% | £616/mo | 2yr Fixed | 8.2% | £995 | |
 | Second Charge 2yr Fixed | 8.55% | £631/mo | 2yr Fixed | 9.4% | £795 | |
| Optimal 1 5yr Fixed | 8.51% | £633/mo | 5yr Fixed | 9.3% | £995 | |
| Optimal 1 2yr Fixed | 8.83% | £641/mo | 2yr Fixed | 9.1% | £995 | |
| Optimal 1 HLTV 5yr Fixed | 8.96% | £645/mo | 5yr Fixed | 9.7% | £995 | |
 | Plan 1 2yr Fixed | 9.01% | £646/mo | 2yr Fixed | 9.8% | £999 | |
| Home Equity Loan 2yr Fixed | 9.09% | £648/mo | 2yr Fixed | 9.5% | £995 | |
| Plan 1 5yr Fixed | 9.10% | £649/mo | 5yr Fixed | 10.0% | £999 | |
| Plan 2 2yr Fixed | 9.17% | £651/mo | 2yr Fixed | 10.0% | £999 | |
| Plan 5 2yr Fixed | 9.96% | £673/mo | 2yr Fixed | 10.7% | £999 | |
 | Plan 8 Variable | 12.90% | £744/mo | Variable | 12.9% | None |
Home Equity Loan 5yr Fixed
Rate
6.34%
Period
5yr Fixed
APRC
7.0%
Home Equity Loan 5yr Fixed
Rate
6.39%
Period
5yr Fixed
APRC
7.0%
Second Charge 5yr Fixed
Rate
6.99%
Period
5yr Fixed
APRC
7.9%
Optimal Zero 5yr Fixed
Rate
7.61%
Period
5yr Fixed
APRC
8.4%
Optimal Zero 2yr Fixed
Rate
7.90%
Period
2yr Fixed
APRC
8.2%
Second Charge 2yr Fixed
Rate
8.55%
Period
2yr Fixed
APRC
9.4%
Optimal 1 5yr Fixed
Rate
8.51%
Period
5yr Fixed
APRC
9.3%
Optimal 1 2yr Fixed
Rate
8.83%
Period
2yr Fixed
APRC
9.1%
Optimal 1 HLTV 5yr Fixed
Rate
8.96%
Period
5yr Fixed
APRC
9.7%
Plan 1 2yr Fixed
Rate
9.01%
Period
2yr Fixed
APRC
9.8%
Home Equity Loan 2yr Fixed
Rate
9.09%
Period
2yr Fixed
APRC
9.5%
Plan 1 5yr Fixed
Rate
9.10%
Period
5yr Fixed
APRC
10.0%
Plan 2 2yr Fixed
Rate
9.17%
Period
2yr Fixed
APRC
10.0%
Plan 5 2yr Fixed
Rate
9.96%
Period
2yr Fixed
APRC
10.7%
Plan 8 Variable
Rate
12.90%
Period
Variable
APRC
12.9%
Indicative rates from our panel, correct as at January 2026, subject to change. No credit check to view rates. Your actual rate confirmed following full underwriting. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS.
Your mortgage payment is about to jump — can you afford it?
Millions of homeowners who fixed at sub-2% rates in 2020–22 are now facing payments that are £300–£800+ higher every month. Combined with credit cards, personal loans and car finance, the total monthly outgoings can become unmanageable overnight. A secured loan could consolidate your unsecured debts at a lower rate — freeing up enough cash each month to make your new mortgage affordable.
Free to use · No credit check · Results in 60 seconds
£400+
Avg. monthly increase on a £200k mortgage
1.6m+
UK households facing payment shock
Ombudsman Covered
Financial Ombudsman Service applies
No upfront fees
Broker fee only on successful completion
30 years in financial services
Established broker, wide panel of lenders
Why choose Loan.Wales
Wales' smarter way to borrow
We're not a comparison website. We're local Welsh advisers who know the market — and there's a big difference.
No credit impact to check
We use a soft search to show you real, personalised options without leaving a mark on your credit file. Only you can see it.
Wide lender panel
We compare 30+ specialist lenders across our panel to find the best available deal for your situation.
No upfront fees
We never charge you to check your options or receive advice. A broker fee only applies if we successfully arrange a product for you.
Simple process
How it works
Tell us what you need
A quick, no-obligation conversation. No paperwork, no jargon — just your situation and your goals.
We search the market
We compare products across 30+ lenders to find the best fit for your circumstances — no credit impact.
We arrange everything
Once you're happy, we manage the whole process from application right through to completion.
Welsh homeowner? Unlock your equity today.
Check your secured loan options in 2 minutes — no credit impact, no obligation. Serving all of Wales.
Get my options →Common questions from Welsh homeowners