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A secured loan or second charge is finance borrowed in addition to a pre-existing mortgage. Secured loans are only available to homeowners and work in the same way as a mortgage, with the credit placed against the value of the property. Although there are some similarities between a secured loan and a mortgage, the two products are completely separate. A secured loan is a different product to a further advance on an existing mortgage that you may have. We can refer you to one of our preferred specialists for secured loans.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured against it.
Personal debt in the UK has exceeded £1.8 trillion, with someone being declared insolvent or bankrupt every 4 minutes and 30 seconds*.
With this level of debt and insolvency or bankruptcy, free access to effective debt management solutions is crucial. If you find yourself in a position where borrowing more money to consolidate your existing finance is becoming too expensive, or if you are no longer able to arrange more credit, you may well be eligible for a debt solution. If you cannot afford your debts, bankruptcy doesn’t have to be your only option. Are you aware of the debt solutions available within the UK, including debt management plans or IVAs (Individual Voluntary Arrangements)?
If you have a need in this area we have access to specialists that we can refer you to for advice.
Contact us for more details.
*Source: The Money Charity 2023.
JMC Mortgage Services Ltd registered in England at 211 Church Street, Braintree, Essex, CM7 5LH (Number 7415145). JMC Mortgage Services Ltd is an appointed representative of First Complete Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 435779) for mortgage and non-investment insurance advice.
Secured loans and debt management are referred to a third party. JMC Mortgage Services Ltd and First Complete Ltd are not responsible for any advice received from the third party.