Beagle Finance offers second charge mortgages for homeowners with poor credit. We prioritise 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.
⚠️ Important Warning: Securing borrowing against your home increases the consequences of being unable to repay. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Consolidating debts may reduce your monthly payments but could increase the total amount repaid over the life of the loan.
Based on 7,000 quotes generated over a recent 3-month period, Beagle Finance customers identified average monthly savings of £561.82. Below are real-world examples of how we have helped our clients restructure their finances.
Goal: Clear existing debts and release funds for bathroom renovations.
| Credit Profile: | Mortgage arrears (last 12 mos) |
| Total Loan Amount: | £11,950.00 |
| Term & LTV: | 10 Years | 75% LTV |
| Interest Rate: | 8.95% Fixed (5 Years) |
| Total Amount Repaid: | £18,953.80 |
| New Monthly Outgoing: | £151.05 / mo |
Monthly Saving: £286.95 / month
Capital Released: £4,283.94 for bathroom
Goal: Consolidate revolving credit and replace a broken car needed for work.
| Credit Profile: | Recent missed payments |
| Total Loan Amount: | £22,750.00 |
| Term & LTV: | 10 Years | 50% LTV |
| Interest Rate: | 9.30% Fixed (5 Years) |
| Total Amount Repaid: | £36,337.60 |
| New Monthly Outgoing: | £291.89 / mo |
Monthly Saving: £59.89 / month
Capital Released: £9,000.00 for new car
Fast, verified funding options prioritised 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 |
Speak to our specialist advisers today with no obligation and a soft credit search that won't affect your credit score.
Start the Quote Process with Beagle FinanceBeagle Finance is a trading style of Simple Financial Planning Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Firm Reference Number: 617941). We act as an intermediary credit broker, not a lender. Before proceeding with any application, our advisers provide full disclosures regarding the scope of lenders reviewed, the fee structures involved, and a comprehensive suitability assessment to ensure any recommended path aligns with your individual circumstances.
📞 Telephone: 0141 648 5588 | Initial consultations involve no obligation and utilise soft credit checks.
⚠️ Risk Warning: 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. Consolidating debts may reduce your monthly payments but could increase the total amount repaid over the life of the loan. Beagle Finance / Simple Financial Planning Ltd is a broker, not a lender. FCA Ref: 617941.