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 loan options tailored to your needs.
Why People Choose Fluent Money
Low Interest Rates
Rates for loans secured on property can be lower because there’s less risk for lenders, with your home as security.
Borrow Larger Sums of Money
Lenders are often more willing to lend larger sums (£10,000 – £500,000) because your property secures the loan.
Lower Monthly Repayments
Most secured loans can be repaid over the long term (3 to 30 years). This often means lower monthly repayments, making them more manageable. But remember: spreading payments out can increase the total cost.
Extensive Panel of Lenders
It allows us to provide you with options tailored to your needs.
Who We Work With
We work with leading lenders across the market to match you with the right deal.
Reasons to Get a Secured Loan
Debt Consolidation
Putting all debts in one place as a single monthly payment can decrease the stress of managing different interest rates, terms and payment dates throughout the month.
Home Improvements
If you’re planning your dream kitchen, making your home more energy efficient, or adding that much-needed extension, a secured loan could be the right option for you.
Second Home
The equity in your property can be used to purchase a second home. Speak to our advisors to look at your options.
Anything Else
You may want to consider taking out a secured loan if you are looking for a large sum of money and want to pay it back over a longer term.
Secured Loan Lenders
Access to a Broad Lender Panel
At Fluent Money, we work with a wide panel of lenders to help find options that match your needs, circumstances, and affordability. With the support of experienced brokers, you’re not limited to a single provider. Instead, we assess lending criteria across the market to identify solutions suited to your situation.
Tailored Solutions for Your Goals
Our role is not just to source options, but to guide you through them. Whether you’re funding home improvements, managing commitments through debt consolidation, or raising capital for another purpose, we take the time to understand your goals. We then match your requirements with suitable secured loan providers, helping you review clear and relevant options.
Expert Guidance You Can Rely On
As experienced secured loan advisors, we provide practical advice throughout. By reviewing multiple lenders, we help identify solutions aligned with both your current affordability and longer-term financial position, making it easier to access your property’s equity in a considered way.
How it Works
Fill Out Our Form
One of our certified advisors will call you
Tell Us About Your Needs
Once we understand your circumstances, we will search our panel to find your best options.
We Will Provide You With Options
When we find the right match, we’ll explain your options clearly.
Loan Application Online
Our secured loan application process in done fully online. We’ll be with you every step, all the way to approval.
Stay in the Loop 24/7 with MyFluent App
View the progress of the loan application in real time and easily communicate with your dedicated Case Manager.
Using a Secured Loan for a Buy-to-Let Property
A secured loan could be a suitable solution if you are looking to purchase a buy-to-let property and are considering using your home as security against the loan. You may want to use the loan in the following instances:
Access additional funds
If you have equity in an existing property, you may be able to borrow additional funds by taking out a secured loan against that property. This can provide you with the funds you need to invest in a BTL property.
Fund a deposit
A secured loan can be used to fund the deposit required for a buy-to-let property purchase. This can be particularly useful if you do not have the cash available to put down a deposit.
Cover refurbishment costs
You are purchasing a buy-to-let property that requires refurbishment, a secured loan can provide you with the funds you need to cover the costs of the work.
Access better interest rates
A secured loan that uses your home as security could potentially have lower rates of interest in comparison to an unsecured loan. This could make it a more cost-effective option for financing a buy-to-let property.
A buy to let mortgage is not to be confused with a secured loan. A buy to let mortgage is used to purchase a property that you let out to someone else, and you do not live in it. However secured loans can be secured on BTL behind a buy-to-let mortgage. In this instance they would be the secured loan on that property with the buy-to-let mortgage being the first charge.
Ready to Apply?
Secured loans (also called “homeowner loans” or “second charge mortgages”) can be a good option if you need to borrow a larger sum while keeping your interest rates and monthly repayments lower.
Speak to one of our friendly advisers today, and they’ll be able to help with any questions you have.
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:
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.
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.
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
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!
Securing my loan
Very clear information and great service
FAQs
A secured loan is taken out against property you own. This could be your home, 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.
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 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, CCJs or mortgage arrears.
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.
With all the above considered you must remember that you need to keep up the monthly repayments with a secured loan or your home may be repossessed.
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.
A secured loan is a loan secured on property you own – usually your home. 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.
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.
