Loans for Bad Credit, Built for UK Homeowners
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CCJs, defaults, an IVA in your past — we’ve helped homeowners with all of it. £10,000 to £2.5m secured against your property. Whole-of-market broker. No impact on your credit score for an indicative quote.

Our Mission is to Help UK Homeowners with Bad Credit. Our Aim is...

To Listen

Understanding our customers as individuals is vital to our service, we listen to all circumstances and acknowledge everyone has different needs. We are here to help.

To Inform

We want to help provide products and services that match the needs of the customer. Treating the customer fairly comes from our informative, honest and impartial advice.

To Help

We want to make it easy for you customer to get finance with trusted advice. We want to help you to move forwards.

Why Now is the Time for Homeowners to Get a Secured Loan for Bad Credit

If you are a homeowner, a secured loan can be a cost-effective way to consolidate debt, to undertake home improvements or to take advantage of competitive borrowing without incurring penalties by changing your mortgage.

Secured loans differ from other personal loans in that the loan is ‘secured’ against your property. This means that there is less risk to the lender & so the lender’s rates are often significantly lower. In addition, secured loans can be made for larger amounts than unsecured personal loans which are often more limited if you want to borrow more than £15,000.

If you have bad credit, we work with people others won’t:

Get a Secured Loan with the most competitive interest rate & move forwards today. Don’t miss out. Find out how much you could borrow today by taking our free 30-second online assessment.

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What Customers Say About Their Experience

We are proud of what we do and that is reflected in what our customers say about us. Below is a list of the feedback we get through Feefo. We hope you’ll find that we do what we say we will, that we’ll listen to your needs, inform you of the best way forward & help you get to where you want to be.

Why Beagle & Not a Direct Lender for a Bad Credit Loan?

If your credit history is clean and you’ve already had a positive quote from a direct lender, going direct can be a fine route. The broker model earns its place when your case isn’t straightforward — which, for most people searching for bad-credit loans, is the point.

The credit footprint problem. Each time you apply to a direct lender, they run a hard credit check. It leaves a footprint on your file. If you apply to four direct lenders and three say no, you’ve added three negative signals to a credit file that was already struggling. By the time you reach a lender who’d have said yes, your case looks worse on paper than when you started — and the rate you’re offered may reflect it.

One soft search, then we place your case. When you come to Beagle, we run a single soft search — no impact on your credit score — to understand your circumstances. We then place your case only with the specific lenders we know will look at it favourably, based on the credit issues you have, the equity in your home, and the loan-to-value you’re asking for. You only get a hard credit check when you accept a quote you’re happy to move forward with.

How we get paid. On most of the loans we place, the lender pays us a fee directly — your rate isn’t marked up because you came through a broker. You’re under no obligation at any stage, and we earn nothing if your case doesn’t complete.

Frequently Asked Questions

How quickly can you arrange a secured loan?

If your needs are straightforward it can be completed in a week, but it could take up to 3 weeks for completion to take place depending upon the complexities of the situation. By completing our assessment, we will be in a better position to help you to minimise the time taken.

What if I have poor credit or have been refused elsewhere?

In many instances, people with poor credit find homeowner loans to be a lifeline. They can consolidate any debts that are causing them problems & repair their credit at the same time.

Don’t worry if you’ve been refused elsewhere, we’re specialists & will look to find a solution that others can’t. We consider all circumstances and will be able to help.

Am I committed if I apply?

No, you are not under any obligation after application. Our advisers want to help people, not give them even more obligations. If we can give you helpful information & move you forwards, we are happy.

Will applying hurt my credit score?

No. Getting an indicative quote with Beagle has no impact on your credit score. We use a soft search for the initial assessment, so you can see what you may be eligible for with no risk. A hard credit search only happens later — and only with your consent — if you decide to proceed with a formal application to the lender we’ve matched you with.

Will this affect my main mortgage?

No. A secured loan arranged through Beagle sits as a second charge alongside your existing mortgage — your main mortgage stays exactly as it is, on its current rate and term, with no early repayment charges triggered. That’s one of the main reasons people pick a second-charge loan over a remortgage when rates are rising or they’re tied into a deal.

Can I get a secured loan with an active CCJ?

Often, yes. Beagle specialises in homeowner loans for people with adverse credit — including active CCJs. Because we’re a broker with whole-of-market access, we can match you to lenders with more flexible criteria than the high street. Eligibility comes down to the size and age of the CCJ, your equity, income and overall affordability. Our quotation process is free, no-obligation, and uses a soft search — so it won’t affect your credit score.

How do you make money?

We are paid a fee by the lender. This fee has no impact upon the cost of the lending to you or the rate that you will pay.

Why do I need to speak to someone? Can’t I just do this online?

Every case is a little different, and with hundreds of lenders and thousands of products available, it is important to speak with our whole-of-market experts to ensure you are matched to the most suitable and competitively priced product.

Our team specialise in adding value. By speaking to one of our team, you may discover there’s a better way to arrange your finances, with greater flexibility and a far more competitive rate available.

A solely online lending experience would not allow us to get to know the individual behind the situation, which in our view, is one of the most important factors in decision making.

Equally, by speaking with you directly we can better understand your long-term goals, for example, we may be able to arrange for a loan that fits with your future plans (ie remortgaging at a particular point, repairing your credit etc).

How many people do I have to talk to?

We’ll give you one point of contact who will understand your situation & what you are trying to achieve. Our team will run around behind the scenes but we’ll ensure that you’ve got one point of contact to make things efficient for you & that we are able to get things moving.

What rates can someone with bad credit expect?

Rates depend on your credit profile, loan-to-value, loan size and term, so we don’t quote a one-size-fits-all figure. Our representative APRC is 8.6% (maximum APRC 65.2%). Bad-credit applicants typically sit higher in that range than prime borrowers, but because we compare across specialist and mainstream lenders, we’ll find the most competitive option available to your situation rather than a single off-the-shelf rate.

Financial Disclosure: Your home may be at risk if you do not keep up repayments. Think carefully about securing debt against your home.
When consolidating existing borrowing, be aware that extending the term could increase the amount repaid.

Living in the UK? Own your home? Let's get you started!

Our brokers have access to lenders who will help with homwoners from all backgrounds & with all circumstances. By working with you & understanding your options, they can find the best solution for your situation.

Enquiring with us only takes 30 seconds and won’t affect your credit score.

Beagle Finance is a trading style of Simple Financial Planning Ltd, incorporated 2013 (Registration number: SC457259).

Simple Financial Planning are authorised and regulated by the Financial Conduct Authority (Registration number: 617941).

Simple Financial Planning is registered with the Office of the Information Commissioner (Registration number: ZA027026).

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.

The FCA does not regulate some forms of Buy-to-let mortgages

Representative Example:

If you borrow £10,000 over 10 years at an Annual Interest Rate of 5.14% (variable) you would make 120 payments of £122.71 per month. The total amount repayable will be £14725.20 (This includes a lender fee of £495 and a broker fee of £1000 which have been added to the loan.) The overall cost for comparison is 8.6% APRC representative. Maximum APR 65.2%.

Loans for Bad Credit, Built for UK Homeowners Take Our Quick, 30-second Quiz