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.
Secured Loan Success Story: How Richard Consolidated £37,000 of Debt and Took Back Control
Struggling with high-interest debt can feel overwhelming especially when personal challenges and relationship worries are involved.
This secured loan success story shows how the right advice and the right solution helped Richard consolidate £37,000 of debt, reduce his monthly outgoings by over £1,000, and rebuild both his finances and his life.
The Problem: High-Interest Debt, Mental Health Struggles, and Financial Pressure
Richard had spent several years relying on high-interest credit to get by. During a particularly difficult period, he experienced mental health challenges and turned to drugs, alcohol, and gambling as a way of coping. Despite continuing to work, the financial pressure only grew.
Unsecured debts mounted quickly, with multiple payments and high interest rates draining his income every month. At the same time, Richard’s relationship was under strain — his partner was unaware of the true extent of the debt, and he feared the consequences of being honest.
Like many homeowners in similar situations, Richard believed a secured loan wouldn’t be possible because the property was jointly owned.
Speaking to TMAC: Expert Secured Loan Advice for Joint Homeowners
When Richard contacted The Money Advice Centre (TMAC), he expected bad news. Instead, he received clear, practical advice without judgement.
After reviewing his circumstances, we explained that:
His income and overall figures were reasonable for a secured loan
Because the property was jointly owned, any secured borrowing would need to be taken jointly with his partner
Transparency and affordability were key to moving forward
With our guidance, Richard had an honest conversation with his partner about the debt and the challenges he’d been facing. Rather than reacting negatively, she was supportive and relieved that he was finally seeking a long-term solution.
The Solution: £37,000 Secured Loan Approved in Just 3 Weeks
Once both applicants were on board, we moved quickly.
Within just three weeks, TMAC successfully arranged a £37,000 secured loan. The funds were used to:
Pay off all high-interest unsecured debts
Consolidate multiple payments into one affordable monthly repayment
Release additional funds for essential home improvements
Even better, the loan was secured at an interest rate in the single digits, dramatically improving affordability.
The Result: Saving Over £1,000 a Month with Debt Consolidation
By consolidating his debt into a secured loan, Richard achieved:
Over £1,000 per month in savings
One clear, manageable repayment
Reduced financial stress and improved cash flow
A sustainable long-term solution rather than short-term fixes
For many homeowners, a secured loan can provide a practical way to manage debt — even with a complex personal history or past financial difficulties.
More Than a Secured Loan: Rebuilding Stability and Control
The impact went far beyond finances.
With the pressure of high-interest debt removed:
Richard is now back in control of his money
His relationship is stronger and built on openness and trust
He has taken responsibility for the difficult period he experienced and moved forward positively
He can focus on recovery, stability, and future planning
This case highlights how secured loans for debt consolidation can support real people through real challenges — when handled responsibly and with the right advice.
Why Choose TMAC for Secured Loan Advice?
At The Money Advice Centre, we specialise in helping homeowners explore realistic and responsible secured loan options. We understand that life circumstances aren’t always straightforward, and we take the time to find solutions that genuinely work.
Whether you’re:
Struggling with high-interest debt
Considering a secured loan with a joint mortgage
Unsure if bad credit or past issues will prevent approval
Expert advice could make all the difference.
Speak to TMAC Today
If you’re feeling overwhelmed by debt, a confidential conversation could be the first step towards taking control again.
The Money Advice Centre — trusted secured loan advice, tailored to you.
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:
7 St. Petersgate,
Stockport, SK1 1EB
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; 7 St. Petersgate, Stockport, SK1 1EB. 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)