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We’ll Help You Find the Right Secured Loan

Fluent Money is a UK-based secured loans broker. We search an extensive panel of lenders to find options tailored to your needs.

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What is a Secured Loan?

A secured loan is taken out against something you own. This could be your home or a property, and this is why it’s also known as “homeowner loan” or “second charge mortgage”.

If you’re looking to make home improvements, consolidate some debt, or fund a big purchase, a secured homeowner loan is a great option to consider. Interest rates are usually lower than an unsecured personal loan as there is more security for the lender.

Reasons to Get a Second Charge Mortgage

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Debt Consolidation

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Home Improvements

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School Fees

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Car Finance

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Business Expansion

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Wedding

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Holiday

Second Home

Benefits of a Secured Loan

  1. Extensive panel of lenders.
  2. Borrow from £10,000 to £500,000.
  3. Terms from 3 to 30 years.
  4. Use the money for almost any purpose.
  5. We’ll only run a soft search, so there’s no impact on your credit score.
  6. Rates can be lower than unsecured loans, as your home provides added security.
  7. Fixed rates available.

Our Process

  1. Just fill out a “Get Quote” form and we’ll call you.
  2. Once we understand your circumstances, our certified advisers will search an extensive panel of lenders to find your best options.
  3. When we find the right match, we’ll explain your options clearly.
  4. We’ll be with you every step, all the way to approval.

Who We Work With

We work with leading lenders across the market to match you with the right deal.

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Considering a Homeowner Loan?

Secured loans (also called homeowner loans) can be a good option if you need to borrow a larger sum – for home improvements or consolidating existing loans.

  • Low interest rates – rates on homeowner loans can be lower because they’re less risky for lenders, with your home as security.
  • Bad credit – lenders often have more flexible credit criteria because the loan is secured against your home.
  • Borrow larger sums of money – lenders are often more willing to lend larger sums because your home secures the loan. This is why they are also called homeowner loans.
  • Lower monthly repayments – most secured loans can be repaid over the long term. This often means lower monthly repayments, making them more manageable. But remember: spreading payments out can increase the total cost.
  • Whatever your reason for borrowing, our friendly UK-based team will help find the right secured loan for you.

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FAQs

As with most loans, you’ll have to pay your secured loan back in monthly installments. You will also pay interest on your loan. Depending on the loan you have, this can be a fixed rate of interest, or it could be variable. The interest will be calculated by the amount you have left to pay. We’d recommend setting up a direct debit or standing order to pay the monthly loan repayments, particularly as your home is used to secure the loan.

A secured loan is also known as a second charge against your home, or a second charge mortgage. This means you need to be a homeowner with an existing mortgage to take out a secured loan. This is because your house will be used as security for your lender.

At Fluent Money, we’re committed to helping you lend money responsibly. We will work to try and find the best solution for you. With a secured loan, because you’ll be using your house as security, lenders are more open to lending to those with poor credit ratings. Once you have the loan, regular repayments will help boost your future credit score too. If you have a lower credit score, it might be that your interest rates are higher than someone with a higher credit score.

A secured loan is one option to help consolidate your debt, as you will often be paying less interest on one large loan compared to lots of small ones (or lots of credit cards). But it’s important to understand the risks too. By consolidating unsecured debts you may be extending their term, and increasing the overall amount you will repay. If you want to use a secured loan to consolidate your debts, it’s worth speaking to an adviser at Fluent Money, as you need to make sure the loan you take out is one you will be able to afford to pay back. If you can’t keep up with repayments, you might end up losing your home.

At Fluent Money, we have a huge range of flexible options to suit your needs. We can offer secured loans from 3 – 30 years. If you want to find out more, get in touch today.

A secured loan is one that is secured against something you own – usually property, or another financial asset such as a car. The idea here is that the borrower has an incentive to pay back the loan on time. This provides the lender with security, and interest rates can be lower.

An unsecured loan, on the other hand, is not secured against anything. Interest rates can be higher because there is less security for the lender compared to a secured loan.

If you’re not sure which one is right for you, that’s what we’re here for!

APRC stands for Annual Percentage Rate of Charge. It shows the total cost of borrowing over the full term of a secured loan or mortgage, including:

Interest (even if the rate changes over time)

Fees (like arrangement or broker fees)

Any known rate switches (e.g. from fixed to variable)

It’s designed to help you compare long-term deals more easily, especially when rates might change during your loan term.

Why does APRC matter?

If your deal starts with a fixed rate and then switches to a variable one, the APRC gives you a clearer idea of what the loan could cost overall — assuming you stick with it for the full term.

Just like with APR, the lower the APRC, the less you’re likely to repay across the life of the loan.

A credit score is a number that tracks how you spend money to show lenders if you’re a risk to lend to. It’s a measurement that looks at your past repayment history and any money you already owe.

There are a few simple steps you can take to improve your credit score easily, such as registering to be on the electoral register, avoiding taking cash out from a credit card, and cancelling any credit cards you don’t use.

Yes, a secured loan (or second charge) needs to be repaid in full when remortgaging. This means that the customer will either need to pay it off with their own funds or borrow more money (on top of what they need to repay the current lender) to cover the second charge. 

Why People Choose Fluent Money

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Trusted by thousands across the UK
The UK’s favourite secured loan broker

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5-Star Rated on Trustpilot
See what our customers say about us

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Friendly, UK-Based Experts
Here to help you find the right product and put your mind at ease at every step

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Stay in the Loop 24/7
Track your application anytime with our industry-leading app

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Options, Not Problems
Our experts make it easy to find the right solution for you

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Want to Find Out More About Our Secured Loans?

Speak to one of our friendly advisers today, and they’ll be able to help with any questions you have.

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Why Our Customers Recommend Fluent Money®

We’re one of the UK’s favourite finance brokers. Don’t believe us? See what our customers have to say:

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The Team were fantastic and very thorough

I had fantastic experience with Fluent Money. All of their employees were extremely helpful and efficient from the start throughout the whole process. One can’t compare it to a standard high street bank. I would highly recommend this company as they really care and make sure they choose the lender that suites their customer’s circumstances.

Sarka Ptackova
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Amazing Service

I approached fluent for some help for a consolidation loan. A few worries before calling but they were all soon put to rest. Matt initially helped me find the right deal and then Abby went on to seal the deal. Thanks to their knowledge and advice i am now a lot more comfortable and i cant thank them enough. Very quick turn around. I highly recommend Fluent. If you have money concerns it really is good to talk. Thank you.

Stephen Donkin
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I would 100% recommend them

Amazingly helpful they took care of everything taking out the stress of having to deal with it myself I would 100% recommend them first with James who helped me look for the best loan then Simon who took care of all the paperwork thanks guys

Sam Jones
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Excellent

Excellent! I have used this company for a second charge loan for consolidation of another loan and additional funds for a house renovation. George was brilliant, knowledgeable, proactive and efficient. Nothing was too much trouble. I would highly recommend this company!

 

Holly Mullis
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Securing my loan

Very clear information and great service

Russell Smith
Trustpilot

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