Secured Loans

Secured Loans/Second Charge Mortgages

Also known as a homeowner loan or a second charge mortgage, a secure loan allows you to borrow a larger sum of money by having a warranty – such as your home – as a security against the repayment.

There are many reasons to get a secured loan – most common are:

  • If you need to borrow large sums of money (usually up to £25,000)
  • Keep low rate mortgage and avoid large exit fees
  • Extending or refurbishing a property
  • Debt consolidation

Nowadays, getting approved for a secured loan is easier than for an unsecured personal loan, this because lenders are more inclined to accept applications where there’s a guarantee against the repayments. Please note that your home may be repossessed if you do not keep up repayments.

If you wish to apply for a secured loan, you will need a credit history, a steady UK address (UK resident for at least 3 years) and a repayment plan that is realistic with your financial situation and requirements.


Interested in finding out more information about Secured Loans? IMC offers a free consultation to explain all details and answer all your enquiries. Call us now on 020 3553 0079 or use the contact form on our contact page.


Secured loans or second charge loans services are provided through our introductory agreement  with AJP Finance Ltd. and are regulated by the FCA.

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"Highly recommended
The IMC team have been very supportive over the last 6 years. They have helped us with our home mortgage (when it seemed that no-one else could!) and also our buy to let mortgage and our wills. The team are professional, friendly, very knowledgeable and always accessible."

FionaJ-53 , Aug 2018

Independent review from Yell
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"Really Easy Remortgage
Really helpful service, for me mortgages has always been something i have never understood but from the help of Jacqui it all has been to easy. Will recommend. Many Thanks"

LeeM-157 , Sep 2018

Independent review from Yell