At The Money Advice Centre,
we are dedicated to providing
expert financial help tailored
to your unique needs.
At The Money Advice Centre,
we are dedicated to providing
expert financial help tailored
to your unique needs.
At The Money Advice Centre,
we are dedicated to providing
expert financial help tailored
to your unique needs.
Secured Loans
up to £500,000
Rates as low as 6.93%
Simple easy application
Fast decisions, without affecting your credit score
Loans for Homeowners
The Money Advice Centre is here to help you make informed financial decisions
We utilise advanced technology, including automated chatbots, digital portals, and a 24/7 contact strategy, to make the loan process smooth and efficient. Our dedicated team operates from 9 am to 8 pm, even working weekend leads to ensure we’re available when you need us most. Whether you're applying for a secured loan, seeking debt help, or exploring home improvement financing options, The Money Advice Centre is here to help you make informed financial decisions.
Choose The Money Advice Centre as your trusted financial partner. Our commitment to excellence, personalised service, and expert help makes us a leading secured loan broker in the UK.
About us
Wills
Wills and Trusts
Lifetime Trust
Lasting Power of attorney
Based in the North West, we specialise in sourcing secured loans for debt consolidation, home improvement financing and offering trusted solutions to help you manage your finances effectively. Our goal and aim are to help you locate your perfect loan, making financial support accessible, transparent, and reliable for homeowners and individuals seeking assistance with their financial goals.
With over 40 years of experience, we bring unparalleled expertise to the secured lending market. Our team of financial specialists is committed to guiding you through every step of the loan process, ensuring you receive the best help and support. We pride ourselves on a customer-first approach, focusing on building long-term relationships based on trust, integrity, and exceptional service.
Our Values
Transparency
At the core of The Money Advice Centre are our values: transparency, integrity, and reliability.
Integrity
We believe in clear communication, offering straightforward help without hidden fees or complicated terms.
Reliability
Our FCA-regulated services guarantee that you receive ethical, professional guidance tailored to your financial situation.
We do the hard work -
So you get the best deal.
We’re a credit broker, not a lender, so we can search a wide range of lenders to find the loan that’s right for you.
Even if you have a poor credit history, we may still be able to help.
We have access to hundreds of products with a variety of options, and our technology cuts through the noise to find the best loan for you.
Our experts will then advise you on the most suitable option.
Client Success Story: £49,000 Consolidation Loan Approved When Others Said No
At TMAC, we’re proud to be problem-solvers — especially for clients like Caroline, who came to us feeling stuck after being turned away by multiple brokers..
The Situation: Equity, Income — but Credit Challenges
Caroline reached out to us seeking a £50,000 consolidation loan. On paper, she had several strong factors working in her favour:
A steady, well-paid income
Significant equity in her home
A clear objective: to tidy up multiple debts and regain financial control
But one issue kept holding her back — her credit history.
Over the years, Caroline had experienced a few financial hiccups that led to defaults on unsecured credit. These accounts were eventually sold to collection agencies, showing up on her credit report as active accounts with debt purchasers. While she'd moved on financially and was back in control of her income and spending, her credit file told a different story — one that many brokers saw as too risky.
❌ Turned Down Again and Again
Despite her strong equity position and reliable earnings, Caroline had been turned down by several brokers. Some said her credit score was too low, others claimed her case didn't “fit criteria.” Most simply weren’t willing to look deeper.
But at TMAC, we do things differently.
🔍 Our Approach: Seeing the Full Picture
When Caroline came to us, we took the time to understand her full situation, not just the surface-level credit report. We could see:
She had the means to repay a loan comfortably
She had already demonstrated financial stability in the present day
Her goal — to eliminate high-interest credit and a costly second charge loan — was responsible and strategic
We believed she deserved a fair shot.
✅ The Outcome: £49,000 Approved Over 10 Years
We successfully sourced a £49,000 loan over 10 years, allowing Caroline to:
Clear all existing unsecured debts
Repay a high-interest second charge loan
Replace multiple repayments with one affordable monthly payment
Save hundreds of pounds per month in outgoing costs
The difference was immediate — not only financially, but emotionally. Caroline went from being rejected and frustrated to finally feeling in control again.
💡 Why This Matters
Caroline’s story is a powerful reminder that:
Past credit issues are not a barrier to entry.
Equity and income do count — they just need the right lender and broker
Tailored solutions can make a huge difference
🟢 Struggling With Credit But Have Equity?
If you’re in a similar position to Caroline — juggling multiple debts, high-interest payments, or being declined elsewhere — we’d love to help.
📞 Talk to TMAC today. We see people, not just credit scores.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR PROPERTY.
Your home may be repossessed if you do not keep up repayments to your mortgage.
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
Located at:
Suite 1 Egerton House, Wilmslow Road, Manchester, England, M20 2DX.
Proud to support
REPRESENTATIVE EXAMPLE
If you borrow £30,000 over 180 months with an interest rate of 9.25% fixed for the first five years from loan completion, followed by a variable rate currently at 9.75% for the remainder of the term:
- Your monthly payment will be £353.53 during the initial fixed-rate period of 60 months.
- Thereafter, your monthly payment will be £363.89 when the rate becomes variable. The variable payment may change if the interest rate fluctuates.
The total amount payable will be £64,878.60, consisting of:
- Loan amount: £30,000
- Interest: £30,528.60
- Broker fee: £3,750
- Lender Fee: £600
This results in an overall cost of 12.6% APRC.
Rates from 5.99% to 26.3%.
All fees charged by our partner (Optimise Finance) will be explained in detail and subsequently in writing prior to commencement of any loan that our partner(s) are able to provide.
Fees will only be payable where further services from our partner are requested and depending on the solution, costs may vary.
The Money Advice Centre does not generate leads for resale and all enquiries are managed directly by The Money Advice Centre.
When we introduce you to Optimise Finance, please be aware you are subject to their terms conditions and privacy policy.
Please also note that if you’re having difficulty managing monthly repayments, we may refer you to Refresh Debt Advice to look at non borrowing debt solutions.Refresh debt advice is a trading style of Refresh Debt Services Limited is registered in Northern Ireland (No. NI1055582). Refresh Debt Services is authorised and regulated by the Financial Conduct Authority, No 674160. Information Commissioner’s Office (ICO) Registration No Z9114806.
All information and services provided by The Money Advice Centre are free of charge.
THE MONEY ADVICE CENTRE LTD is Registered in England and Wales (Company number 14186998)
FCA Registration Number - 1003359.
Registered Office; Suite 1 Egerton House, Wilmslow Road, Manchester, England, M20 2DX. Our ICO Number is ZB432317 which allows us to hold your information. By submitting an enquiry, you confirm that you have consented to being contacted by The Money Advice Centre and/or our partners so therefore we may contact you by post, phone, and email however you can OPT-OUT at any time by informing us or our partners directly.
The Money Advice Centre is an IAR (Introducer Appointed Representative) of Optimise Finance who are regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 724841. Buy to let, Bridging and commercial loans are not regulated by the Financial Conduct Authority. (Loans Secured On Your Home)