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How much could you save clearing your cards and loans without touching your mortgage?

Clear the cards and loans, and keep the mortgage deal you are already on.

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  • 60 Second Form
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We have helped over 62,000 homeowners save money

Rachel

"Just one adviser"

Rachel, Bristol
★★★★★
"I was worried I'd get bombarded with calls but it was one adviser, one conversation, and they followed up exactly when they said they would."
Michael

"No pressure at all"

Michael, Nottingham
★★★★★
"Really easy process. The adviser explained my options in plain English and gave me time to think it over before deciding anything."
Claire

"Honest with me"

Claire, Cardiff
★★★★★
"Good experience overall. The adviser was knowledgeable and honest about what would and wouldn't suit my situation."
Darren

"Glad I bothered"

Darren, Stockport
★★★★★
"Was sceptical at first but glad I filled in the form. Spoke to a proper regulated adviser who knew their stuff. Would use again."
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Why a secured loan

A second charge can do more than you think

Typical timescale
2 to 4weeks

A secured loan is normally quicker to complete than a remortgage, which commonly takes six to eight weeks. Nothing is certain until a lender has assessed you.

A mainstream market
44,725

New second charge agreements were taken out in the twelve months to June 2026, worth £2.4bn, up 18% by number on the year before.Finance and Leasing Association

What gets cleared
Credit cards
Car finance
Personal loans
One loan payment

If it goes ahead, these balances are cleared on completion and the amount becomes a second charge secured on your home.

Borrow against your equity
Your mortgage stays.

The loan sits behind your existing mortgage as a second charge. Your mortgage lender, rate and term stay exactly as they are, so a cheap fixed rate is not at risk. What you owed on cards and loans becomes one secured loan payment.

  • Your equity
  • Now backs the loan

An illustration of how it works. Every home is different.

Credit history
Missed paymentsDefaultsCCJs

Specialist second charge lenders build their criteria around these and price for them, rather than declining outright.

Loan to value
Borrowing Your equity

Mortgage plus loan, measured against your home's value

You choose the term
Longer termShorter term
Monthly payment↓ lower↑ higher
Interest overall↑ more↓ less

A longer term lowers the monthly payment but costs more in interest overall. Which way you go is your call, and your quotes show you both figures before you decide.

Check my options

How it works

1

Answer a few questions

About 60 seconds. What you owe, roughly what your home is worth and what you still owe on it. It won't affect your credit score.

2

Get your accurate quotes

Worked out for your circumstances, with both routes compared. One firm, not a call centre, and you will be told honestly if neither route suits you.

3

Compare your quotes and decide

You see the monthly payment and the total repayable before you commit to anything. You can stop at any point.

Frequently asked questions

No. Equiclear does not carry out credit searches. By submitting the form you agree to the broker carrying out a soft credit search when it receives your enquiry, though not all brokers do. A soft search is visible only to you and the broker, does not affect your credit score and cannot be seen by other lenders. A lender runs a full search only if you go on to apply.
It is a loan secured against the equity in your home, sitting behind your existing mortgage as a second charge. You keep your mortgage and its rate, and make a second monthly payment on the new loan. Secured loan, homeowner loan and second charge mortgage are three names for the same product.
Your existing lender is notified, because the new lender registers a second charge at the Land Registry. Most lenders do not object. Your rate, term and payment do not change.
Often, yes. Specialist lenders in this market consider missed payments, defaults, CCJs and past debt management plans, and set the rate according to how recent and how serious the issues are. Equity in your home is what makes that possible. Nothing is certain until a lender assesses you.
Lenders look at your mortgage plus the new loan as a share of your property value. Many allow up to around 85% combined, and some go higher for stronger credit profiles. Your quotes are based on what your equity supports.
Two to four weeks is common, which is usually faster than a remortgage. Timescales depend on the valuation and how quickly documents come back.
Fill in the form and one FCA authorised broker will be in touch by email, SMS or phone with your quotes. We pass your details to a single firm, not to a panel. You can ask them to stop at any time.
There can be a lender arrangement fee, a valuation fee, legal costs and a broker fee from the adviser. Nothing is payable to Equiclear at any point. Every cost is set out in writing with your quotes, before you commit to anything.
Yes. Second charge loans can normally be repaid early or refinanced, though many carry an early repayment charge for an initial period. Your quote will show what that charge is and how long it lasts, before you commit.
No. You choose which balances to include. Some people clear only their highest cost borrowing and keep other agreements running separately. You can go through what makes sense for you when you get your quotes.
Check your options. Free and no obligation.