Request a 
Second Charge Loans
Get a secured loan with no up-front fees – and without affecting your mortgage.
Secured loans are secured against your home. That means you’re able to borrow more money for longer – and we’ll help find the best deal for you.
Just wanted to say a big thank you from the two of us for all your help recently – you were always very helpful and customer friendly throughout the process and extremely professional keeping us up to date with how everything was progressing
Mr and Mrs SWhy choose us?
Even if you have a poor credit history or CCJs, we could still help you. Using our lender panel, we’ll compare the best deals and exclusive rates to find a secured loan that’s the perfect fit for you. You’ll even get a dedicated loan advisor to help you through the process from start to finish.
No upfront fees
Rates available from 3.74% per annum variable
All credit histories and circumstances considered
Free no-obligation quotes that won’t affect your credit report
Jargon Buster
APR
The Annual Percentage Rate charged for the loan. This must be displayed by lenders and allows you to compare one mortgage with another.
Bank of England Base Rate
The UK’s official rate of interest. It influences the rates of interest charged by different types of lenders. It is set by the Bank of England’s Monetary Policy Committee normally eight times per year. An increase in Bank Rate makes borrowing money more expensive and saving more rewarding. A decrease in Bank Rate makes borrowing cheaper and saving less rewarding.
Arrangement fee
This is paid to the lender to set up the loan. Not all lenders charge an arrangement fee. If they do, they will usually allow you to add this fee to the loan.
Loan to Value (LTV)
Loan to Value (LTV) is value of your loan against the value of the property. If you buy a £100,000 house and want to borrow £80,000 to top up a £20,000 deposit, then you’ll be asking the lender to borrow 80% of the property value. This makes your LTV 80%.
Request a callback today
If you are a first-time buyer or do not currently have a mortgage please call us directly on 0800 802 1003
By submitting your enquiry you agree to our privacy policy and that you are happy to be contacted via telephone, email or SMS to help you with your enquiry.
Fast, simple and easy – that’s Loansmart.
We’re a broker, not a high street bank. That means we can compare the best deals to find the perfect home improvement loan for you – no fuss. As a Loansmart customer, you’ll get your own dedicated advisor providing you expert advice from start to finish.
More choice. We search for the most affordable home improvement loans from our lender panel;
No upfront fees. We’ll give you a free no-obligation quote that won’t show up on your credit report;
Flexible terms. If you’ve been rejected by a high street lender, whether you’re retired or self-employed – even if you have poor credit history or CCJs – we may still be able to find a solution that works for you.
© 2022 Copyright Niche Financial, All rights reserved
Registered in England No. OC349588
Niche Financial Solutions LLP
1st Floor | 3 Newbridge Square | Swindon | SN1 1HN
t: +44 (0)800 802 1003 | e: contact@loansmartfinance.co.uk
Loansmart is a trading name of Niche Financial Solutions LLP.
Niche Financial Solutions LLP is authorised and regulated by the Financial Conduct Authority, (FCA) 708467.
We will search our panel of lenders to find the right loan for you. The overall cost for comparison is from 5.6% to 19.1% APRC for a first charge mortgage and from 7.1% to 15.1% APRC for a second charge mortgage
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. (IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY).
Depending on your circumstances we will charge a broker fee between £495 and £1995 for a first charge mortgage, and between £1495 and £4995 for a second charge mortgage. Currently our average fees are £1995 for a first charge mortgage and £2500 for a second charge mortgage. We also charge an advice fee for regulated products of £750. All fees will be fully disclosed at application stage and fully disclosed on your contracts. We may also receive a commission from the lender on completion and this will also be fully disclosed. (Rates and fees correct as of May 2021). Niche Financial Solutions LLP, Registered in England and Wales. Company Registration Number OC349588. Registered office: 1st Floor, 3 Newbridge Square, Swindon, SN1 1HN
Second Charge Loans
Get a secured loan with no up-front fees – and without affecting your mortgage.
Just wanted to say a big thank you from the two of us for all your help recently – you were always very helpful and customer friendly throughout the process and extremely professional keeping us up to date with how everything was progressing
Mr and Mrs S
Secured loans are secured against your home. That means you’re able to borrow more money for longer – and we’ll help find the best deal for you.
Jargon Buster
APR
The Annual Percentage Rate charged for the loan. This must be displayed by lenders and allows you to compare one mortgage with another.
Arrangement fee
This is paid to the lender to set up the loan. Not all lenders charge an arrangement fee. If they do, they will usually allow you to add this fee to the loan.
Bank of England Base Rate
The UK’s official rate of interest. It influences the rates of interest charged by different types of lenders. It is set by the Bank of England’s Monetary Policy Committee normally eight times per year. An increase in Bank Rate makes borrowing money more expensive and saving more rewarding. A decrease in Bank Rate makes borrowing cheaper and saving less rewarding.
Loan to Value (LTV)
Loan to Value (LTV) is value of your loan against the value of the property. If you buy a £100,000 house and want to borrow £80,000 to top up a £20,000 deposit, then you’ll be asking the lender to borrow 80% of the property value. This makes your LTV 80%.
Fast, simple and easy – that’s Loansmart.
We’re a broker, not a high street bank. That means we can compare the best deals to find the perfect secured loan for you – no fuss. As a Loansmart customer, you’ll get your own dedicated advisor providing you expert advice from start to finish.
More choice. We search for the most affordable home improvement loans from our panel of lenders;
No upfront fees. We’ll give you a free no-obligation quote that won’t show up on your credit report;
Flexible terms. Whether you’ve been rejected by a high street lender, you’re retired or self-employed – even if you have bad credit or CCJs – we may still be able to find a solution that works for you.
Request a callback
If you are a first-time buyer or do not currently have a mortgage please call us directly on 0800 802 1003
By submitting your enquiry you agree to our privacy policy and that you are happy to be contacted via telephone, email or SMS to help you with your enquiry.
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© 2024 Copyright Niche Financial, All rights reserved
Registered in England No. OC349588
Important Information:
Loansmart is a trading name of Niche Financial Solutions LLP.
Niche Financial Solutions LLP is authorised and regulated by the Financial Conduct Authority, (FCA) 708467.
We will search our panel of lenders to find the right loan for you. The overall cost for comparison is from 5.6% to 19.1% APRC for a first charge mortgage and from 7.1% to 15.1% APRC for a second charge mortgage.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT. (IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY).
Depending on your circumstances we will charge a broker fee between £495 and £1995 for a first charge mortgage, and between £1495 and £4995 for a second charge mortgage. Currently our average fees are £1995 for a first charge mortgage and £2500 for a second charge mortgage. We also charge an advice fee for regulated products of £750. All fees will be fully disclosed at application stage and fully disclosed on your contracts. We may also receive a commission from the lender on completion and this will also be fully disclosed. (Rates and fees correct as of May 2021). Niche Financial Solutions LLP, Registered in England and Wales. Company Registration Number OC349588. Registered office: 1st Floor, 3 Newbridge Square, Swindon, SN1 1HN
