FCA Reg. 450713 · 0800 448 0298 · info@excelmoney.co.uk
Loans · Flexible & transparent

Flexible loans,
on your terms.

Sometimes a remortgage isn't the answer. A secured loan can be faster on adverse credit, cheaper for short-term needs, and easier when you're locked into a fix. We arrange both, and tell you straight which one fits.

£10k to £5m
Adverse credit OK
Decision in 24 hours
No upfront fees
Talk to a loans adviser → 0800 448 0298
Loans arranged
800+
across the team
Fastest decision
4 hours
bridging case 2025
No-obligation initial consultation
No upfront fees
Soft credit search only
FCA regulated firm
Whole of market
Loan types

One service. Six common situations.

A loan is a tool. The right tool depends on the job. Tell us what you're trying to do and we'll tell you which loan type fits, or whether a remortgage would suit better.

Home-Owner Secured

Borrow against the equity in your home, often without disturbing your existing mortgage.

Loan size£10k – £5m
Term3 – 30 yrs
Talk to an adviser

Debt Consolidation

Roll several debts into one manageable payment, often at a lower rate. Always advice-led, never automatic.

ConsidersAdverse
Comparevs remortgage
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Home Improvement

Loft, kitchen, extension, garden room. Borrow to add value to your home and pay back over the right term.

Min£10k
Decision24–72 hrs
Talk to an adviser

Bridging Finance

Short-term lending for chain breaks, auction purchases, refurbishments and probate. Same-day decision.

Decision24 hrs
Term1–24 mo
Talk to an adviser

Adverse Credit

CCJs, defaults, recent IVAs, discharged bankruptcy. Placed with specialist secured loan lenders.

From8.9% APRC
LTVup to 75%
Talk to an adviser

Business Secured

Director's debenture, asset-backed business loans, and commercial bridging, for limited companies.

Min£25k
Speed5–14 days
Talk to an adviser
Loan or remortgage?

The same money, different mechanism.

The right answer for one client is the wrong answer for another. Here's how we think about it.

Remortgage might suit if…
When you're free to switch lenders.
  • You're at or near end of fix
  • Borrowing > £100k for long term
  • Standard credit, standard income
  • Better rate available than current
Often better
Secured loan might suit if…
When speed, mid-fix, or specialism matters.
  • Mid-fix with high Early Repayment Charges
  • Adverse credit closing high-street remortgage doors
  • Self-employed with new accounts not yet ready
  • Borrowing £10–£100k with shorter term
  • Want to keep existing low fixed-rate intact
  • Need decision in days, not weeks
Debt consolidation

Honest advice, never automatic.

Debt consolidation can be a sensible move, or a costly mistake. Our job is to model both, openly, before you commit.

Multiple debts being consolidated into one manageable payment

Rolling £15,000 of credit-card debt at 22% into a 25-year secured loan at 9% will reduce your monthly payment. But if you take the long term, you may pay more interest overall. Worse, you've moved unsecured debt onto your home.

We'll always model the same loan over a shorter term (e.g. 5 or 7 years) so you can see the trade-off in pounds and pence. We'll also flag situations where a debt management plan, a 0% balance transfer, or doing nothing is the better answer.

Important Consolidating short-term debt into a long-term secured loan may increase the total amount you repay. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. We'll explain this clearly before you proceed.
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How is a secured loan different from a remortgage?

Both borrow money against your home. A remortgage replaces your existing mortgage with a bigger one. A secured loan is a second charge: a separate loan that sits behind your existing mortgage, leaving the original deal intact. Secured loans can be quicker, cheaper for smaller sums, and accept adverse credit more readily, but rates are typically higher than first-charge mortgages.

Can I get a loan with bad credit?

Yes. The secured loan market has a number of specialist lenders that manually underwrite cases involving CCJs, defaults, IVAs, and discharged bankruptcy. Rate and LTV will reflect the credit picture, but if there's affordability and equity, there's almost always a route. We'll tell you upfront, with rough numbers, on the first call.

How quickly can a loan complete?

Bridging finance can complete in 24–72 hours when needed (auction purchases, chain breaks). Standard secured loans typically complete in 2–4 weeks. Remortgages take 6–10 weeks. We'll match the product to your timescale on the first call.

What can a secured loan be used for?

Almost any legal purpose: home improvements, debt consolidation, business investment, school fees, vehicle purchase, deposits for additional property, tax bills, divorce settlements. Some lenders restrict purposes (e.g. tax bills require evidence); we'll tell you on the first call.

Is debt consolidation always a good idea?

No, and we'll tell you so when it isn't. Rolling unsecured debt onto your home secures it against your property: there's a risk you didn't have before. We always model the same loan over a shorter term so you can see the true cost. For some clients a 0% balance transfer or DMP is a better answer.

Will applying affect my credit score?

Not until you instruct us to apply. Initial conversations and our first sourcing run use a soft search that doesn't affect your score. A hard search only happens with the lender we've agreed to apply to.

Need to borrow quickly?

Tell us what you're trying to do. We'll tell you whether a loan, a remortgage, or something else suits best. No upfront cost, no obligation.

Request a callback → 0800 448 0298