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Flexible, low-cost secured loans for mortgageholders. Got a mortgage? Get funded within 5 days
- Loans from £10k to £2.5m
- Borrow up to 120% of Your Home Value
- Won't Impact Your Credit Score
- Free, No Obligation Quotes
Our Mission is to Help UK Mortgageholders. Our Aim is...
To Listen
Understanding our customers as individuals is vital to our service, we listen to all circumstances and acknowledge everyone has different needs. We are here to help.
To Inform
We want to help provide products and services that match the needs of the customer. Treating the customer fairly comes from our informative, honest and impartial advice.
To Help
We want to make it easy for you customer to get finance with trusted advice. We want to help you to move forwards. We are able to work quickly & to arrange funding within 5 days.
Why Now is the Time for Mortgageholders to Get a Secured Loan
Interest rates are rising. A secured loan can be a cost-effective way to consolidate debt, to undertake home improvements or to take advantage of competitive borrowing without incurring penalties by changing your mortgage.
Clever homeowners are taking advantage of this opportunity by:
- Paying off expensive debts and doing debt reconsolidation
- Raising additional cash for home improvements or a second deposit
- Taking out additional borrowing without changing their mortgage or triggering early repayment penalties on their mortgage
Get a Secured Loan with the most competitive interest rate & lock in against rising rates. Don’t miss out. Find out how much you could borrow today by taking our free 30-second online assessment.
Get Access to Great Finance in 3 Simple Steps...
Take our free 30-second online assessment
Get an indicative quote by text or chat with a friendly expert for free
Sit back & relax - our experts handle the rest!
What Customers Say About Their Experience
We are proud of what we do and that is reflected in what our customers say about us. Below is a list of the feedback we get through Feefo. We hope you’ll find that we do what we say we will, that we’ll listen to your needs, inform you of the best way forward & help you get to where you want to be.
Frequently Asked Questions
If your needs are straightforward it can be completed a week, but it could take up to 3 weeks for completion to take place depending upon the complexities of the situation. By completing our assessment, we will be in a better position to help you to minimise the time taken.
In many instances, people with poor credit find homeowner loans to be a lifeline. They can consolidate any debts that are causing them problems & repair their credit at the same time.
Don’t worry if you’ve been refused elsewhere, we’re specialists & will look to find a solution that others can’t. We consider all circumstances and will be able to help.
No, you are not under any obligation after application. Our advisers want to help people, not give them even more obligations. If we can give you helpful information & move you forwards, we are happy.
The average loan is around £35,000. A typical homeowner may use us in order to fund the renovation of their home & to do some debt consolidation at the same time, providing low-cost borrowing without incurring early payment penalties on their existing mortgage.
You can choose a period that suits you. Our typical customer may choose a period between 3 & 25 years although some lenders offer even longer periods.
Yes. People choose to remortgage at the end of a fixed period in order to get the best mortgage deal for them. Homeowner loans are excellent for people that have a mortgage and do not want to remortgage (either because of poor credit or because they will incur a penalty for early repayment). A homeowner loan can fund renovations, purchases & debt consolidation with no penalty for early repayment: you can then repay the loan in a timescale that suits.
We are paid a fee by the lender. This fee has no impact upon the cost of the lending to you or the rate that you will pay.
Every case is a little different, and with hundreds of lenders and thousands of products available, it is important to speak with our whole-of-market experts to ensure you are matched to the most suitable and competitively priced product.
Our team specialise in adding value. By speaking to one of our team, you may discover there’s a better way to arrange your finances, with greater flexibility and a far more competitive rate available.
A solely online lending experience would not allow us to get to know the individual behind the situation, which in our view, is one of the most important factors in decision making.
Equally, by speaking with you directly we can better understand your long-term goals, for example, we may be able to arrange for a loan that fits with your future plans (ie remortgaging at a particular point, repairing your credit etc).
We’ll give you one point of contact who will understand your situation & what you are trying to achieve. Our team will run around behind the scenes but we’ll ensure that you’ve got one point of contact to make things efficient for you & that we are able to get things moving.
Financial Disclosure: Your home may be at risk if you do not keep up repayments. Think carefully about securing debt against your home.
When consolidating existing borrowing, be aware that extending the term could increase the amount repaid.
Living in the UK? Have a Mortgage? Let's get you started!
Our brokers have access to lenders who will help with mortgageholders from all backgrounds & with all circumstances. By working with you & understanding your options, they can find the best solution for your situation.
Enquiring with us only takes 30 seconds and won’t affect your credit score.
Beagle Finance is a trading style of Simple Financial Planning Ltd, incorporated 2013 (reg SC457259). Simple Financial Planning are authorised and regulated by the Financial Conduct Authority (reg: 617941). Simple Financial Planning is registered with the Office of the Information Commissioner ( reg ZA027026).
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 any other debt secured on it.
The FCA does not regulate some forms of Buy to Let mortgages
Representative Example:
If you borrow £10,000 over 10 years at an Annual Interest Rate of 5.14% (variable) you would make 120 payments of £122.71 per month. The total amount repayable will be £14725.20 (This includes a lender fee of £495 and a broker fee of £1000 which have been added to the loan.) The overall cost for comparison is 8.6% APRC representative. Maximum APR 65.2%.
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