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.
From Debt Stress to Financial Freedom: How TMAC Helped Lynne and Her Husband Clear Arrears and Consolidate Debts
When Lynne and her husband first came to The Money Advice Centre, they were feeling trapped and overwhelmed. The financial impact of COVID-19 had left them struggling with mortgage arrears, second charge arrears, and several unsecured debts. Every month was a challenge just to stay afloat.
They had tried to find help elsewhere — approaching multiple lenders and brokers — but were repeatedly turned down due to their credit history and existing arrears. It seemed like every option had been exhausted.
That’s when they turned to TMAC for help.
Understanding the Full Financial Picture
At TMAC, we believe that no two clients are the same. Lynne and her husband needed to raise around £50,000 to get their finances back on track. The goal was clear:
• Clear the mortgage arrears
• Repay the second charge arrears
• Consolidate unsecured debts into one manageable payment
By carefully reviewing their situation and exploring specialist lending options, our team was able to identify a homeowner loan that met their needs — even when traditional lenders had said no.
Finding the Right Debt Consolidation Solution
Using TMAC’s access to a wide panel of lenders, we found a secured debt consolidation loan that covered all of their outstanding commitments.
This new loan enabled them to:
✅ Clear all arrears and second charge balances
✅ Combine their unsecured debts into one affordable monthly repayment
✅ Save a significant amount each month compared to what they were previously paying
With the new arrangement in place, Lynne and her husband were able to regain control of their finances, reduce stress, and enjoy the stability of a single, predictable payment.
A Fresh Start and Long-Term Stability
Now, instead of managing multiple debts and chasing payments, they can focus on moving forward with confidence. Their finances are simplified, their arrears are cleared, and they’ve regained peace of mind.
At The Money Advice Centre, we specialise in helping homeowners who may have been turned down elsewhere. Whether you’re struggling with mortgage arrears, second charge loans, or unsecured debts, our expert advisers can help find a solution that fits your situation.
Struggling with Arrears or Debt? We Can Help.
If you’re finding it hard to keep up with multiple payments or have been refused by other lenders, don’t give up. There are often more options available than you might think.
Our friendly and experienced advisers can help you explore secured and homeowner loans, find ways to consolidate your debts, and help you get back in control.
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)