Secured Loans Made Simple
Borrow from £10,000 to £2.5 million against the equity in your home – without touching the mortgage rate you are on. Free, no-obligation quote and no mark on your credit file.
- Free quote, no obligation to proceed
- Checking your options leaves no credit footprint
- Your existing mortgage and its rate stay exactly as they are
- Adverse credit considered, subject to lender criteria
- One named adviser from first call to completion
Takes around 30 seconds to get started. No impact on your credit score.
Trusted secured loan support for UK homeowners
4.9 / 5 on Feefo
FCA regulated, ref 617941
Advising since 2013
Free, no-obligation quote
"I found the team to be extremely professional, friendly and well informed. They can simply explain the benefits and drawbacks of all the products I was looking for."
Secured Loans for Homeowners
A secured loan could help you borrow against the equity in your home without changing your existing mortgage. Beagle Finance helps you compare suitable options based on your circumstances, borrowing needs and affordability.
- Borrow from £10,000 to £2.5 million
- Keep your current mortgage in place
- No impact on credit score when checking optionsNo impact on credit score when checking options
- Up to 120% loan-to-value, subject to status and lender criteria
- Poor or adverse credit considered
- Free, no-obligation quote
£10k – £2.5m
Up to 120%
1 – 3 weeks
What Could a Secured Loan Help With?
Homeowners use secured loans for a variety of major financial steps. Explore how unlocking your home’s equity could work for you.
Debt Consolidation
Bring credit cards, loans and other borrowing together into one clearer monthly payment.
Home Improvements
Fund renovations, extensions, kitchens, bathrooms or other major home projects.
Large One-Off Costs
Access larger borrowing for important life costs where a personal loan may not be suitable.
Bad Credit or Complex Circumstances
If you have been refused elsewhere, Beagle Finance may still be able to help you explore suitable options.
Avoiding Remortgage Penalties
A secured loan may allow you to raise funds while keeping your current mortgage deal in place.
Debt Consolidation That Feels More Manageable
If you are juggling credit cards, personal loans or other monthly repayments, a secured loan may help you bring everything together into one clearer monthly payment.
- Combine multiple debts into one payment
- Potentially reduce monthly outgoings
- Spread repayments over a longer term where suitable
- Keep your existing mortgage in place
- Speak to a dedicated secured loan adviser
- Stay informed throughout the process
Debt consolidation may reduce your monthly repayments, but it may increase the total amount repayable over the full term. Think carefully before securing other debts against your home.
Consolidating debts may reduce your monthly payments, but it may increase the total amount repayable if the loan term is extended.
Why Choose Beagle Finance?
We do things differently to ensure your journey is smooth, transparent, and built around your needs.
Dedicated Adviser
One named adviser from first call to completion. No call centres, no hand-offs.
No-Ghosting Guarantee
Weekly status updates from your adviser — or we cover your valuation fee.
Rate Locked at Offer
The rate you accept is the rate you get. No mid-process surprises.
Whole-of-Market Access
We search 12+ leading UK secured loan lenders to find suitable options for you.
Soft Search Only
Checking your options won’t leave a mark on your credit file.
Lender-Paid Model
In many cases, lender fees mean you pay nothing upfront for our service.
How It Works
Take our 30-second assessment
Tell us about your loan needs and circumstances.
We match you to suitable options
Your dedicated adviser reviews lenders and finds the right fit.
Your dedicated adviser reviews lenders and finds the right fit.
Sit back and we handle the rest
What Our Customers Say
Access to leading UK secured loan lenders
Access to leading UK secured loan lenders
Frequently Asked Questions
What is a secured loan?
A secured loan is a loan that is tied to your property as security. Because the loan is secured against your home, lenders can often offer larger amounts or consider those with imperfect credit histories.
Will checking my options affect my credit score?
No. Beagle Finance uses a soft search to check your eligibility, which does not leave a mark on your credit file.
Can I apply if I have bad credit?
Yes. We work with lenders who consider a range of credit histories, including those who have experienced missed payments, defaults or CCJs.
How long does the process take?
Once your application is submitted, most secured loans complete within 1 to 3 weeks, depending on your circumstances and lender requirements.
How much can I borrow?
Beagle Finance can help you explore secured loans from £10,000 to £2.5 million, subject to status, affordability and lender criteria.
Are there any upfront fees?
In many cases, lender or broker fees can be added to the loan, meaning you pay nothing upfront to get your quote.
Ready to explore your secured loan options?
Get a free, no-obligation indicative quote in 30 seconds. No impact on your credit score.
Simple Financial Planning Ltd, Company No. SC457259, FCA No. 617941. Authorised and Regulated by the Financial Conduct Authority.
Representative example: Borrowing £35,000 over 7 years on a variable rate of 8.6% APRC representative (variable). Monthly repayment: £552.73. Total amount repayable: £46,429.40. Maximum APRC 65.2%.
WARNING: Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.