Secured Loans On Buy to Let Properties

Published 18 February 2016 · Last reviewed 1 May 2026

Consolidating debt and capital raising on secured loans on buy to let properties

Secured loans can be an effective way of consolidating personal debt; and when secured on buy to lets they could drive down your property income tax bill in the process by offsetting the increased mortgage balance against your rental profit.

Unlike first charge lending the tolerance to adverse credit and short length of self-employment is normally greater.

The reasons for the consolidation can include the personal loans, credit cards, store cards, bridging finance, business purposes, mortgage arrears, repayment of HMRC tax bills and bankruptcy annulment.

So what’s the downside? Well the rates are likely to be at least 7.5% so you need to be receiving a good rental or disposable income.

The lenders will look to a minimum of 25% equity in the property.

Unlike first charge mortgage lenders there is not a 6 month ownership rule before money can be raised, and unencumbered properties (i.e. no current mortgage) are welcomed.

The lenders that we use at Niche are also more receptive to problematic property types such as flying freeholds, flats over restaurants, high rise flats and deck access.

So if you have a buy to let which has a good rental income and equity, and you need to raise money by way of a secured loan please give us a try.

For more information about Secured Loans On Buy to Let Properties , please contact us on 0207 993 2044 or alternatively complete the simple enquiry form on the top right hand side of this page.

Typical APR 11.8% variable

NICHE ADVICE LIMITED IS REGULATED BY THE BY THE FINANCIAL CONDUCT AUTHORITY.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. ALL LOANS ARE SECURED ON PROPERTY AND ARE SUBJECT TO STATUS. A FEE PAYBALE OF UP TON 15% MAY BE PAYABLE FOR SECURED LOANS BUT NOT UNTILL COMPLETION OF THE CASE..

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

IF YOU CHOOSE A VARIABLE RATE LOAN THE COST OF YOUR PAYMENTS MAY INCREASE.

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Bridging loans are short-term finance and are typically more expensive than standard mortgages. You must have a clear and credible exit strategy — usually the sale of the property or a refinance onto longer-term lending — to be considered for a bridging loan. Interest is normally charged monthly and can be rolled or retained from the loan; this means the amount you repay may be higher than the amount originally borrowed.

Bridging loans secured against your home are regulated by the Financial Conduct Authority. Bridging loans secured against investment or commercial property are not regulated by the Financial Conduct Authority. Niche Advice Limited is authorised and regulated by the FCA (FCA No: 750263) and is a Credit Broker that does not lend directly.

This article is information, not regulated advice. Your individual circumstances — including your exit strategy, the security property type, and your wider financial position — determine whether a bridging loan is suitable for you. Always discuss your case with a qualified mortgage adviser before applying.