LP71 Debt Consolidation Secured loans - Deal Direct

The latest debt consolidation secured loan deals now available to you…

Compare loan rates in just 3 minutes

DirectQuote

One of the UK’s fastest, most accurate secured loan finders

Compare the latest debt consolidation secured loan offers from leading UK lenders – in real-time. All your best options can be reviewed in just 3 minutes without affecting your credit score.

  • Find best loan rates – UK-wide search
  • Free service – no obligation
  • No credit check and no valuation
  • Secure online process – expert advice
Get best loan quote

A system that’s astonishingly efficient for your secured loan search

Managing debt can be stressful, so it’s great to know a debt consolidation loan could help pay off your debts, including credit cards, store cards, personal loans and overdrafts, with one simple and easy-to-manage monthly repayment.

Deal Direct’s industry-leading DirectQuote system offers complete confidence in the quotes you receive, and the best options available to you will be listed within minutes, for comparison. That means not only will you see the most competitive rates and repayments, you can be assured they are up-to-the-minute deals that WILL be made available to you, based on the details you provide.

We help customers across the UK find the right debt consolidation secured loan

DirectQuote is a truly unique system specifically designed to help thousands of customers source the very best debt consolidation loan option. Nothing compares with having complete confidence that the deals quoted are accurate. And all this is backed by Deal Direct’s team of secured loan experts.

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See and compare best deals from UK lenders

Why choose a debt consolidation secured loan…

1

Reduce monthly outgoings

Consolidating all your expensive debt, including credit cards and loans, with the right secured loan at a competitive rate, could reduce monthly outgoings by £100s each year.

3

Lower interest rate

A secured loan usually comes with a much more favourable interest rate than that of an unsecured loan, credit card or store card. So why use expensive credit when you can borrow cheaper?

2

Monthly repayments easily managed

It’s often much easier to manage your finances by moving some, or all of your debts across to just one lender, at a rate that you’re more comfortable with. It’s a whole lot less to worry about.

4

Enjoy the flexibility to manage repayments

By choosing a secured loan to consolidate your finances, you can benefit from flexible repayment options. You can also clear the loan early without cost penalties often associated with a mortgage.

Why you’re in the safest hands to find the right debt consolidation loan from Deal Direct

  • DirectQuote sources deals from the UK-wide secured loan market
  • Compare the latest and best real-time rates and repayments that are available to you
  • Rely on a team of secured loan experts at Deal Direct, who are available to answer all your questions.
  • Review options, update your application securely and instantly

Choosing a secured loan for debt consolidation – FAQs 

Below are some of the most frequent questions about secured loans that our customers have asked, including how debt consolidation can be included as a financial consideration. Every customer is unique, and will have individual requirements, so if you have any questions that you would like to ask, please call us any time on 0800 029 1671 and an experienced finance specialist will help you.

A secured loan, also known as a homeowner loan or a second charge mortgage, allows you to borrow money secured against your home. The loan can be used for a variety of reasons including home improvements or consolidating expensive credit and loans. By using property or other assets as security, a lender’s risk is reduced, which is why the rates and repayments can be so much lower than unsecured loans and other forms of borrowing.

There are many reasons why a secured loan can help. Home improvements, a special purchase or consolidating expensive loans and credit cards to make a fresh start, all are popular reasons for choosing a secured loan. Plus, by consolidating debt with a secured loan, finances can be more easily managed and less stressful too, thanks to one single and more affordable monthly repayment.

By selecting a secured loan through DirectQuote, you’ll be presented with the latest options on the market, including products with the most competitive rates and repayments.

Secured loans tend to have lower interest rates than unsecured loans or credit cards, and because you secure the loan against your property,  you may be able to borrow larger amounts than is typically offered with an unsecured loan.

Also, the more equity you have in your property to secure against the loan (Loan-to-Value or LTV), the more options you will be offered – for higher amounts and at lower rates.

Any homeowner with equity in their property can apply for a secured loan.

If you apply online, you’ll see a big difference in the speed and efficiency of the process with DirectQuote, compared to others. You’ll be able to review and compare your loan options within minutes of starting the application. You can save your information securely and return to update or progress your application whenever it’s convenient, day or night. Documentation can also be uploaded online too, making things super-efficient and speeds up the process even further.

Online doesn’t mean you’re on your own either. Deal Direct’s specialist loan advisors will support you all the way with guidance on product options, progressing your application, and helping you to make an informed decision that you’re 100% happy with.

If you’re a homeowner, you’re already well on the way to a great secured loan deal with Deal Direct, because we’re made the process is so quick and easy. Whoever you are and whatever your personal circumstances, we want to help, and will usually find the right loan for every applicant. That includes customers who are self-employed or have poor credit history, and even those who have been turned down for a loan by numerous other providers. Deal Direct will always go the extra mile to try to find your loan.

It’s important you review all your possible options to get the best loan deal to suit your circumstances. As a specialist broker with expertise in secured loans, Deal Direct can access the UK-wide secured loan market to provide exceptional choice.

We review each individual case with diligence, accuracy and understanding, to arrive at the right loan product with the very best outcome. This is especially important when lending rates are volatile. Being able to afford your monthly bills is at the forefront of everyone’s mind right now, so it’s more important than ever to compare your options using a thorough, fast and accurate search – starting with DirectQuote.

A new secured loan deal can be completed in two to four weeks from application, however, it depends on your personal circumstances. It’s important the process takes the appropriate time to complete, in the interests of all parties involved. If you would like us to process your application quickly, talk to one of our specialist advisors, and we can provide you with some guidance on how your application can be progressed as quickly as possible.

Experience 5 Star Customer Service with Deal Direct

Efficient & professional service

From the first contact, we had enquiring about types of mortgages to the final contact receiving confirmation that the funds had been released, the advisors were knowledgeable and professional. Responses to all our queries were always quick & comprehensive. Great service.

Jane R.
5 Star via TrustPilot

Deal Direct Financial Limited offers an exceptional range of financial products, backed by a team of specialist advisors.

If you have any questions about your application, please do not hesitate to call a member of our specialist secured loan team, we’ll be happy to help.

Call 0800 029 1671

experience a 5 star customer service

THINK CAREFULLY BEFORE SECURING A MORTGAGE OR OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER BORROWING SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING, YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE BORROWING AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Deal Direct is a trading style of Deal Direct Financial Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority for regulated mortgage and non-investment insurance contracts. Our FCA Number is 478726.

Mortgages

  • Overall cost for comparison: Estimated to be 6.70% APRC
  • Completion fees: Subject to circumstances, typically £198 upfront and £799 on completion
  • Complex cases: If your circumstances involve adverse credit, complex situations, debt consolidation, or commercial elements, fees may increase to a maximum of £2,693 with £198 payable upfront upon application
  • Fee structure: Fees are per application basis. Subsequent applications or amendments incur a separate £99 application fee

We do not charge a broker fee for Product Transfers. A product fee may be payable to your lender, subject to and the terms of your new mortgage arrangement. Deal Direct Financial receives commission for this service, which is paid directly by the lender.

A product transfer only provides mortgage options from your current lender. Please note, re-mortgaging to another lender could potentially enable you to get a lower rate so please consider obtaining whole of market advice when reviewing your options.

Secured Loans

Representative example: Based on borrowing £20,000 over 60 months:

  • Interest Rate: 7.55% fixed for 60 months
  • Monthly instalments: £448.16
  • Fees: Broker fee (£2,000); Lender fee (£395)
  • Total amount payable: £27,014.60, comprised of loan amount (£22,395) and interest (£4,618.60), including broker and lender fees
  • Overall cost of comparison: 9.50% APRC
  • Loan terms: Minimum 36 months, maximum 360 months
  • Maximum APRC: 29%
  • Broker fee: Maximum 10% of net loan amount (maximum £4,995), payable upon completion and can be added to your loan

Homeowner loans are secured against your property. We are a broker and arrange secured loans from a panel of lenders of which we receive commission upon completion.

Your adviser will confirm all costs in writing prior to any application being made.

Insurance

£200,000 life cover at £9.67 per month

Example based on a 37-year-old non-smoker taking a 25-year Level Term Life Insurance policy with fixed monthly premiums.

Important Assumptions

This quote is for illustrative purposes and assumes:

  • You are in good health with no adverse family medical history
  • You don’t regularly participate in hazardous sports or activities (more than once per month)
  • Your occupation is not classified as high risk
  • Premiums paid monthly by direct debit

What’s Included

£200,000 lump sum payment on death during the policy term
Terminal illness cover (12-month prognosis)
Fixed premiums for the full 25-year term
No medical exam required for this coverage level (subject to health questions)

Key Exclusions

  • Death resulting from excluded pre-existing conditions

Please note: While we work with a comprehensive panel of insurers, not all insurers are displayed. Contact us for our complete panel list.

Commission Disclosure

The exact amount of commission we will receive is not known at this stage. We will confirm the actual amount to you as part of the lending illustration we are required to obtain from the lender.

Our Services

  • We are not limited in the range of mortgages we will consider for you
  • We can offer advice on both first and second charge loans
  • We offer a comprehensive range of mortgages from across the market
  • Note: We do not offer deals that you can only obtain by going direct to a lender
  • While our lender panel is comprehensive, some lenders are not displayed – you can view a list of these on our website

© 2025 Deal Direct Financial Solutions Ltd

Deal Direct Financial Solutions Ltd Registered in England & Wales Company No. 05446793. Registered Address: Suite B 2nd Floor, 3500 Parkway, Solent Business Park, Whiteley, PO15 7AL.