Buy To Let Secured Loans For Landlords In July 2026

Landlords often turn to secured loans for buy-to-let properties to help their portfolios flourish and finance several projects. Buy-to-let secured Loans are still available at some great low rates.

The knowledgeable loan advisors at Jubilee 2000 offer expert guidance and competitive buy-to-let second-charge loans to individuals across the United Kingdom.

At Jubilee, we believe in value, quality and flexibility, and our clients reap the benefits from our industry knowledge and cultivated relationships in their financial transactions every day.

Defining Buy to Let Secured Loans

Buy-to-let secured loans, also called second-charge loans or secured business loans, are an important form of financing. Individuals who own residential, semi-commercial, or commercial property are eligible to apply for a buy-to-let secured loan.

This financing can be used to release significant funds from the property to help support either the individual or their business. These additional funds can be used to increase cash flow within the business or to expand into larger, better projects.

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Secured Loan Enquiry Form (Step 1)

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Buy-to-let first charges and second charges

A buy-to-let mortgage is usually the first charge on the rental property. A secured loan normally sits behind that mortgage as a second charge, so the landlord may be able to raise funds without replacing the main buy-to-let loan. If you want the plain version first, our guide to how homeowner loans work explains the same idea in a simpler homeowner setting.

This route can be useful when the current mortgage rate is worth keeping, the fixed-rate period is not yet over, or a full remortgage would take longer than needed. A landlord can still ask for a secured loan with a soft credit check, and then decide whether the numbers suit the property plan.

With the Bank of England Bank Rate at 3.75 per cent, a rate two percentage points above that would be 5.75 per cent. Many landlords want a quick sense of where their figures might sit before they apply, and our page on debt consolidation loan interest rates gives useful background on how rates are normally discussed.

Jubilee 2000 aims to keep the process straightforward, with no lender, adviser, or broker fees, a free valuation where available, high loan-to-value options, and an application process designed to be easy to start.

What landlords use the money for

Some landlords only need a modest amount to refresh a kitchen, replace tired flooring, or cover a short gap between works and rent. A £10,000 loan to clear debts can also make sense when small balances are getting in the way of a clean rental-property budget.

For larger works, the figures often move into five figures. A £25,000 loan with no broker fee may be used for refurbishment, legal costs, energy improvements, or to tidy up expensive unsecured borrowing while keeping the buy-to-let mortgage in place.

Portfolio landlords sometimes need a bigger facility when several properties require attention at the same time. A £50,000 secured loan for homeowners can be compared with smaller loan sizes so the monthly repayment still looks sensible beside rent received.

Rental property cash flow can be affected by card balances, repairs, and tax bills arriving close together. Where credit card balances are taking up too much room each month, it may help to consolidate credit card balances into a cleaner repayment plan.

Debt consolidation is not only about clearing cards. It can also bring unsecured loans, store accounts, and other regular payments into one place. For a wider explanation, see our guide to debt consolidation loans in the UK.

Keeping the existing mortgage in place

A second-charge loan may allow a landlord to raise funds against the rental property’s equity while leaving the existing first-charge mortgage untouched. That can be useful when early repayment charges would make a full remortgage for debt consolidation less attractive.

Speed also matters. If the property is empty between tenants, or works need to start before a contractor moves on, landlords often ask how long a secured loan takes from enquiry to completion.

Credit history does not have to make the conversation awkward. If there have been missed payments, older defaults, or a patchy period of trading, our guide on how to get a debt consolidation loan with bad credit may help before you apply.

Some landlords also prefer not to involve family, friends, or business partners in the borrowing. A homeowner loan with no guarantor keeps the application focused on the applicant, the property, the equity, and the affordability figures.

Where the enquiry needs to be handled without too many layers, a direct lender secured loan for bad credit can be a more comfortable route for people who want clear answers and fewer delays.

Debt consolidation alongside property plans

Landlords often consider borrowing because the property needs money spent on it, but personal finances can play a role in the same decision. There are several reasons to consolidate debts, especially when one monthly repayment would be easier to track.

A clean repayment plan can also make it easier to judge future rental profit. If your aim is to reduce several balances over time, you may want to read how some borrowers pay off debts with a consolidation loan.

People with prior credit issues do not always want to speak with multiple providers separately. A page on debt consolidation loans for bad credit can help frame the conversation before a full enquiry is made.

Questions about secured lending, credit searches, repayment terms, and combining balances tend to come up early. Our debt consolidation frequently asked questions page is useful for quick answers before speaking to someone.

Before choosing a figure, it can help to test a few repayment amounts. A homeowner loan repayment calculator gives a simple way to compare loan sizes, terms, and monthly costs.

Credit history, age, and property type

Buy-to-let borrowing can be flexible because the rental property gives the lender a valuable asset to consider. For applicants with historic credit issues, secured loans for bad credit may still be worth exploring when there is enough equity and a clear repayment route.

Some borrowers want a quick early answer without waiting days for paperwork to move backwards and forwards. A bad credit secured loan with fast decision can help you understand whether the enquiry is likely to move in the right direction.

Landlords who own their own home as well as rental property may compare several ways of raising funds. In later-life borrowing, some people look at release equity with poor credit, although a secured loan may be a better fit where regular repayments are preferred.

Age can also affect which route feels natural. If a borrower is younger than the typical age for a lifetime mortgage, our page on borrowing against your home under 55 may be useful when comparing secured borrowing with other property-backed options.

Jubilee 2000 can consider standard homes, flats, mixed property circumstances, and landlords with more than one property. The useful starting point is the current value, the existing mortgage balance, the rent received, and the amount you want to raise.

The purpose of the loan can be practical and property-focused. It may be for repairs, tenant-ready improvements, a deposit on another rental property, or to smooth out borrowing that has become awkward across several separate payments.

Leasehold flats, houses, and small portfolios can all be discussed on their own merits. A clear valuation, a sensibly requested loan amount, and a simple explanation of the project usually make the first conversation easier.

A straightforward way to start

The enquiry starts with the basics. Jubilee 2000 can review the property, equity, first-charge mortgage, rental position, your broader income, and the purpose of the funds.

From there, the team can discuss whether a buy-to-let secured loan, a homeowner secured loan, or another property-backed route looks more suitable. The aim is to keep the process calm, clear, and practical from the first conversation.