Loan.wales
Second charge mortgage specialists

Release equity from your home

Borrow £3,000–£5,000,000 secured against your property for home improvements, debt consolidation, or any major purchase. All credit profiles considered — your existing mortgage stays in place.

Between £3,000 and £5,000,000

No credit impact · No obligation · Call within 1 working day

£5m+

Maximum loan size

30+

Specialist lenders

100%

Credit profiles considered

Rate shock solution

Fixed rate ending? Your payments could jump £400+ a month

When your mortgage deal expires you roll onto a much higher rate — and if you also carry credit cards, personal loans or car finance, the combined monthly cost can suddenly become unmanageable. A secured loan lets you consolidate all those debts at a lower single payment, so the rise in your mortgage is absorbed rather than breaking the budget.

Check if it works for you — free Affordability Planner →

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

How it works

1

Tell us what you need

Share your property details, how much you need, and what it's for. We'll also ask a few questions about your mortgage and credit history.

2

We match you with lenders

Our advisers search 30+ specialist secured loan lenders to find the most competitive rate and terms for your circumstances.

3

Funds in your account

Once approved, a solicitor confirms the charge on your property and funds are released — typically within 4–8 weeks.

What is a second charge mortgage?

A second charge mortgage lets you unlock the equity in your home — without touching your existing mortgage deal.

Whether rates have risen and remortgaging doesn't make sense, or you simply need funds fast, a second charge could be the smarter move. Here's when homeowners use them:

Declined for a further advance? — Your existing lender said no, but that doesn't mean the market will. A second charge opens up a whole new panel of lenders
Home improvements — Extensions, loft conversions, new kitchens. Add value while keeping your current rate
Debt consolidation — Roll high-interest credit cards and loans into one manageable monthly payment
Buying a second property — Raise a deposit without selling or remortgaging
School or university fees — Plan ahead with a lump sum at a rate that beats personal loans
Business investment — Self-employed or a sole trader needing capital without disrupting cash flow
Tax bills — HMRC deadlines don't wait; a second charge can buy you breathing room
Divorce settlement — Release equity to settle a financial split without forcing a sale
Vehicle or motorhome purchase — Finance a big-ticket buy at secured loan rates
Coming off a long fixed rate? — If your deal's ending and rates have jumped, a second charge can consolidate your other debts to absorb the payment shock — without touching your mortgage
Borrow from £10,000 to £5,000,000No hard credit check at this stageYour existing mortgage rate stays untouchedFCA-authorised credit broker30+ years helping homeowners

Debt consolidation

Switch credit cards, loans and overdrafts to:

  • Lower rates
  • Longer repayment terms
  • 1 affordable monthly payment

£800

less per month*

typical saving

Explore →

* Based on typical cases. Actual savings depend on your circumstances.

Common questions

Ready to release your equity?

Speak to a secured loan specialist — free advice, no obligation.

Get my options →