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Author: Carl Shave-Director
Updated on January 30th, 2024

Secured Loans for Buy to Let

Instead of looking at the complications of a Buy to Let remortgage, a secured loan is an alternative way to borrow equity against a property you already own. A secured loan is also known as a Second Charge mortgage–this is because your Buy to Let property will usually have a mortgage secured against it (i.e. the first charge), and any later further borrowing on top of this is a second charge.

A Buy to Let secured loan might be a simpler way to access more borrowing, but it is commonly more expensive than a Buy to Let remortgage, and the associated arrangement fees are usually higher.

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Buy to Let Second Charge

If you would like extra funds to buy more properties for your portfolio, pay for improvements or consolidate your existing debts, then a Buy to Let secured loan could be an effective financial solution to meet your needs.

Buy to Let secured loans are a fast, reliable and simple way to use the assets you already own to raise money for cash deposits on new Buy to Let properties and other financial commitments. At The Mortgage Centres, our expert team can give you all the advice and guidance you need to ensure you get the most favourable deal available and make the most of your buy to let secured loan.

Read Our Buy to Let Guide

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Fill out our quick and easy Buy to Let mortgage calculator below. We only require a few details to see how much you may be able to borrow.


Why to have a Secured Loan

People will mainly make use of a secured loan if they are in a position of being tied in to an existing mortgage deal period with their current lender, where the early payment fees would prove very costly, making a secured loan actually the cheaper alternative in those circumstances. It could also be that a secured loan lender is willing to lend a larger amount to the borrower than the current lender, and so this becomes the preferred option.

There are a number of reasons why you might want to raise extra funds on top of the borrowing you already have with your current lenders–you could need the extra cash to consolidate existing debts, purchase another Buy to Let property for your portfolio, or to make improvements to the properties you already own. Whenever you look into additional borrowing, make sure that it makes financial sense for you in the long term and take professional advice to ensure you get the most suitable deal possible.

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