Protect your low rate.
Unlock your equity.
Consolidate high-interest debt or fund home improvements without touching your existing mortgage. A second charge loan sits alongside it — so your fixed rate stays exactly where it is. We introduce you to an FCA-registered broker who does the advising.
- No remortgage fees
- Keep your current fixed rate
- £10k – £500k available
- 6.9%
- Rates from
- 48hrs
- Typical decision
- 30 yrs
- Terms up to
Property details
Soft check only — no credit footprint. Your details are used to introduce you to an FCA-registered broker.
40+
Specialist second charge lenders reviewed
FCA
Every introduction is to a regulated broker
£10k–£500k
Typical borrowing range
2 mins
To complete your eligibility profile
Process
From equity question to funds in the bank
Check your eligibility
Two minutes, no credit footprint. We work out the equity you could release at up to 85% LTV.
Matched to lenders
We compare specialist second charge lenders — including those comfortable with adverse credit or self-employed income.
Valuation & offer
Most cases use an automated valuation, so there's often no visit and no delay. You see the full cost before committing.
Funds released
Completion typically lands in 3–4 weeks. Your first mortgage, rate and lender are untouched throughout.
Your home has been quietly working. Put that equity to work too.
UK property values have moved a long way since most fixed rates were agreed. A second charge lets you draw on that movement while the mortgage behind it stays untouched.
Period townhouses
Grade-listed and conservation-area homes where a remortgage would mean losing a hard-won fixed rate.
Extensions & glazing
Rear extensions, orangeries and full-width glazing funded against equity you have already built.
Family homes
Consolidating cards, car finance and overdrafts into one secured payment across a longer term.
From tired to transformed — funded in weeks, not years.
Introductions to regulated brokers — clearly, and without the sales pitch
This platform is operated by NoahSure Group. We built it to do one job properly: understand where a homeowner stands, then put them in front of a mortgage broker who is authorised and regulated to advise on secured lending.
We do not recommend products, quote rates as an offer, or arrange credit ourselves. You can read more about the group, its people and its other services at noahsuregroup.com.
You share your position
Property value, outstanding mortgage, income and credit profile. It takes about two minutes and leaves no mark on your credit file.
We match, we don't advise
EquitySecure is a lead generation platform, not an advice firm. We pass your details to an FCA-registered mortgage broker whose lender panel fits your circumstances.
A qualified adviser calls you
The broker — not us — assesses suitability, explains the risks and recommends a product. You are never under any obligation to proceed.
Debt comparison
Why borrowers with a cheap fix choose a second charge
Remortgaging a 2% deal onto today's rates can cost more than the loan you're raising. Here is how the main routes compare.
Rates shown are indicative market ranges for illustration and are not an offer of credit.
What for
What homeowners use their equity for
Debt consolidation
Roll cards, car finance and loans into one secured payment — often halving the monthly outgoing.
Home improvements
Extensions, loft conversions and kitchens funded without disturbing a cheap fixed rate.
Tax bills & school fees
Spread a large one-off liability over a term that fits your income rather than the deadline.
Business capital
Directors and sole traders raising working capital against personal equity, with flexible income proof.
FAQ