Loans
At Mortgage & Finance Brokers (MFB), we offer expert guidance on a range of secured loan options. Whether you’re looking to raise funds for home improvements, debt consolidation, or a new investment, we can help you find the right solution tailored to your needs.
Secured Loans
A secured loan is a loan secured against your residential or buy-to-let property. Often referred to as a second charge mortgage, it allows you to borrow money without affecting your existing mortgage arrangement.
Key features:
- Borrow larger sums at competitive rates
- Ideal for homeowners with equity in their property
- Your original mortgage remains unchanged
- Flexible repayment terms available
Secured loans can be a suitable option when remortgaging isn’t practical, such as when you’re on a low fixed rate or face early repayment charges.
Castle Trust Loans
Castle Trust loans are a unique form of borrowing for buy-to-let property owners. Rather than making monthly repayments, you agree to share a portion of your property’s future increase in value with the lender.
Key features:
- No monthly repayments
- Borrow against existing buy-to-let equity
- Repayment made through shared capital growth when the property is sold or refinanced
- Ideal for landlords seeking flexible, cashflow-friendly solutions