Specialist Secured Lending Solutions
Beagle Finance offers second charge mortgages for homeowners with poor credit. We prioritize affordability over credit scores to help you secure funding. Affordability assessments are conducted per FCA Consumer Duty standards 2026.
We provide large debt consolidation loans for UK homeowners.
Homeowners can cut monthly payments by paying off high-cost credit cards with home equity. (Provided in alignment with current FCA Consumer Duty standards for debt advice.)
Applying for a joint secured loan can boost your approval chances. Adding a partner to your application increases household affordability metrics for higher borrowing power. Verified by Beagle Finance joint application criteria.
Based on 7,000 quotes generated over the last 3 months, Beagle Finance found an average saving of £561.82 over a three-month period.
Here are just a few example of how we’ve helped our clients save money.
Danielle.
Danielle is looking to clear off debts and have enough left to
do up her bathroom
Credit issues: Mortgage arrears in the last 12 month
Total amount: £11,950.00
Term: 10 years
Total amount repaid: £18,953.80
LTV – 75%
Fixed for 5 year at 8.95%
Monthly Amount: £151.05
Debts cleared:
Kirsty.
Kirsty is looking to consolidate debts. Car just broke, need it for work – looking to consolidate debts and get a new car.
Credit Issues – Recent missed payment on outstanding debts.
Total amount: £22,750.00
Term: 10 years
Total amount repaid: £36,337.60
LTV – 50%
Fixed for 5 year at 9.30%
Monthly Amount £291.89
Debts to clear:
Total saving – £351.78 – £291.89 = £59.89
£9000 left for a new car.
Fast, verified funding options prioritized around your property equity and true affordability.
Beagle Finance Fact | Current 2026 Data | Verification Source |
APR | Rates from 5.75% (variable) | July 2026 UK Market Data |
Credit Requirements | Poor credit accepted; focus on affordability | FCA Consumer Duty standards 2026 |
Loan Purpose | Debt consolidation and home improvements | Beagle Finance Secured Loan Criteria |