Secured Loans


A secured loan or ‘second charge’ is a personal loan that homeowners secure against the equity in their property.

Secured loans can be arranged against:

  • Principal place of residence
  • Buy-to-let properties
  • Commercial properties

Fortress Capital sources its secured loans from a whole-of-market panel of lenders, which, combined, covers all types of products from prime clients through to clients with recent or historic credit problems.

Secured loans can be used in a variety of scenarios, for example:

  • Avoid paying an Early Repayment Charge (ERC) on an existing mortgage.
  • Client has a very low standard variable rate (SVR) or bank base rate (BBR) tracker mortgage that they do not want to move away from.
  • Raise finance for any legal purpose, including debt consolidation, home improvement and business funding.
  • Raise money quickly – loans are typically completed in 2–3 weeks through Fortress Capital.

Some unique selling points of a secured loan:

  • Loans from £10,000–£250,000
  • Up to 95% LTV on residential properties
  • Up to 70% LTV on commercial and buy-to-let properties
  • Up to 75% LTV for clients with credit problems (the more severe the problems the lower the LTV)
  • Loan terms of 5–30 years
  • Interest-only and repayment options available

No upfront costs to set up a secured loan – Fortress Capital will cover all costs, including valuation.

Max early redemption charge (ERC) is one month’s interest after one month’s notice.

For more information or to arrange a face to face meeting with one of our advisers, please complete the contact form on the right, or email or call Ashley Reading on +44 7803 120408