Helping you get the right secured loan
Need to raise some quick funds? Whether you’re eyeing up a new car or a new kitchen, a secured loan can help you get it.
What is a secured loan?
With a secured loan, you borrow money using the equity you’ve built up in your home as security. Since the collateral you’re putting up is your own property, you benefit from borrowing larger sums of money than you would with other loans.
With a wide range of borrowing amounts and payment terms, the options are vast and flexible. Whatever your needs might be, we’ll help you find the secured loan that fits your timeline and budget.
How Can a Secured Loan Be Used?
Buying a new car
Dreaming of a fresh leather interior? A bigger vehicle for your growing family? Or maybe it’s time to go electric? A secured loan can help you get your hands on those new wheels.
Consolidating debts
Spending on credit is necessary for many of us from time to time, but keeping up with debts with several different creditors can be hard. Keep on top of what you owe by consolidating all your debts into one secured loan.
Home improvements
Renovations, extensions and home improvements are an effective but costly way to increase the value of your home. A secured loan can help you do it if you haven’t got the funds readily available.
Who Can Apply for a Secured Loan?
We work with police officers, staff, and their families to help find secured loans that suit their needs. Here’s how the process works:
Homeowner status
You’ll need to own a home in the UK – either mortgaged or outright.
Soft credit check
We run a soft search first, so it won’t affect your credit score.
Tailored loan options
You choose how much to borrow and how long you want to repay it.
Application support
We help you with every step – from paperwork to finding the right lender.
Why Choose Police Mortgages?
We specialise in helping the police community access financial products with confidence and clarity. Here’s why people choose us:
Clear, simple guidance
We explain everything in plain English, so it’s easy to understand your options.
Trusted UK lenders
We only work with FCA-authorised lenders offering fair and competitive products.
Tailored to you
We look at your needs, not just your credit score or job role.
No pushy sales
We’re here to help, not to pressure – the choice is always yours.
Customer Reviews
Elliott has been brilliant with all my mortgage requirements over the past 4 years. The team are extremely amenable and knowledgeable. They are regularly providing communication to ensure we are fully updated on the process. Would highly recommend.
Alice Chant
Verified Customer
Very easy to set up an appointment initially through the website. Spoke to Oliver who provided a professional service as well as providing information, which catered to my needs. Look forward to speaking again.
David Chapman
Verified Customer
Nichola was absolutely brilliant. She guided me with excellent communication throughout a rather challenging process and I really felt supported. Based on my experiences with Nichola, I would implore anyone who is seeking a mortgage to reach out.
Sophia Malik
Verified Customer
Everyone I’ve spoken with and or dealt with has been brilliant. You guys are doing an amazing job, keep it up.
Laurel Ogbuh
Verified Customer
Oliver was super helpful in a delicate matter. I wish I would have dealt with him on my first property. Really empathetic and easy to speak to. Highly recommend
Tyira Gabriel
Verified Customer
I have only had an initial conversation with Oliver but so far so good. Professional approach, good information on different available deals and products.
Alekosz Sopisz
Verified Customer
Frequently asked questions
How much does a secured loan cost?
When paying back a secured loan, you’ll have to pay interest on it. You might also have to pay appraisal fees, legal fees and admin fees. The total cost of taking out a secured loan will ultimately depend on the deal you choose and the fees it comes with. A specialist broker can help you find the most competitive deals.
Can police officers get loans?
Yes, police officers can get loans, including mortgages and secured loans. Specialist mortgage brokers like Police Mortgages can help find lenders offering tailored deals or favourable terms for police officers.
What’s the difference between a secured loan and a personal loan?
Homeowners can borrow more with a secured loan because it uses their home as collateral and they can pay it off over a longer period of time. Personal loans, on the other hand, are usually much smaller amounts and are repaid over shorter terms.
Who is eligible for a secured loan?
To be eligible for a secured loan, you must be a homeowner with equity in your home (the portion of your home that you own outright) because this is what your loan is secured against. The more equity you have, the more you might be eligible to borrow.
