Secured Loans for Debt Consolidation
Make one affordable monthly payment with a secured loan backed by your home. Get clear, expert guidance from Hubble and see your options in minutes.
Get My Free QuoteWhy choose a secured loan?
Lower monthly repayments
Roll multiple debts into one payment to help reduce what you pay each month.
Longer repayment terms
Spread the cost over a timeframe that suits your budget.
Potentially lower interest rates
Secured borrowing can offer more competitive rates than many unsecured options.
Options for less-than-perfect credit
Previous credit blips don't have to hold you back — we'll still look for suitable options.
Good to know: A secured loan sits alongside your existing mortgage and uses your property as collateral. Consolidating can simplify payments, but you may repay more interest over a longer term.
How Hubble helps
Tell us about your goals
Share your loan amount, debts to consolidate, and monthly budget.
We search a wide panel of UK lenders
Our advisors compare products to find a tailored fit for your circumstances.
Fast, guided completion
We'll handle the paperwork and keep you updated until your funds are released.
Am I eligible?
You're likely to be eligible if you:
Own a home with a mortgage
Have sufficient equity in your property
Can afford the repayments after we complete affordability checks
Today's secured loan options
We work with a broad panel of UK lenders to find competitive rates for your situation. Rates depend on your equity, income, credit history, and loan amount.
What is debt consolidation?
Debt consolidation combines credit cards, loans, and other borrowing into one secured loan. This can:
Reduce your monthly outgoings
Make budgeting simpler
Provide a clear end date for repayment
Consider the trade-offs: Extending the term can increase the total amount repaid. We'll show you side-by-side comparisons so you can decide with confidence.
Frequently asked questions
How does a secured loan differ from an unsecured loan?
Unsecured loans don't require collateral, so limits are often lower and rates higher. Secured loans use your home as security, which can mean larger amounts, longer terms, and potentially lower rates.
How much can I borrow?
It depends on your equity, income, credit profile, and each lender's criteria. Typical ranges run from £10,000 into the hundreds of thousands, subject to status and valuation.
What can I use a secured loan for?
Common uses include debt consolidation, home improvements, major purchases, or one-off expenses. We'll confirm acceptable uses with the chosen lender.
What are the risks?
Because the loan is secured on your home, missed payments could result in repossession. Consolidating may extend the term and increase the total cost of borrowing.
Do I need to pay off my mortgage first?
No. A secured loan usually runs alongside your current mortgage.
Will applying affect my credit rating?
Our eligibility check is a soft search and won't affect your score. If you proceed to a full application, lenders may run a hard search, which can appear on your file.
Opening hours & support
Need help? Call us.
We're open 9am–7pm Monday to Friday and 10am–4pm Saturday & Sunday.
Prefer online? Tell us what you're looking for and we'll arrange a personalised quote.
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