Darryl can look this up from your mortgage details
Step 3 of 7
Do you have early repayment charges on your current mortgage?
ERCs are charged if you leave your mortgage before the fixed rate ends — usually 1-5% of the balance
❌
Yes — significant charges (over £2,000)
Strong case for secured loan to avoid paying them
⚠️
Yes — small charges (under £2,000)
May still be worth remortgaging depending on savings
✅
No — I am on a standard variable rate or past my fixed term
Remortgaging may make more sense
🤷
Not sure
Darryl will check your mortgage terms
Step 4 of 7
How would you describe your credit history?
Honest answer gets you the most accurate recommendation
✅
Clean — no missed payments or issues
Full range of options available
⚠️
Minor issues — 1-2 missed payments
Some lenders may still consider you
🔶
Moderate — defaults or CCJs
Specialist lenders needed
🔴
Severe — IVA, bankruptcy or repossession
Very specialist approach needed — but still possible
Step 5 of 7
Roughly how much equity do you have in your property?
Equity = property value minus outstanding mortgage balance
🏠
Under £50,000
May limit the amount available to borrow
🏠
£50,000 to £100,000
Good level of equity — good range of options
🏡
£100,000 to £200,000
Strong equity position — wide range of options
🏡
Over £200,000
Excellent equity — maximum flexibility
Step 6 of 7
How much are you looking to raise?
This affects whether a secured loan or remortgage is more cost-effective
💷
Under £25,000
Secured loan often better for smaller amounts
💷
£25,000 to £75,000
Depends on your existing mortgage rate and ERC situation
💷
£75,000 to £150,000
Larger amounts — remortgage may be competitive
💷
Over £150,000
Full remortgage assessment recommended
Step 7 of 7
Almost there — where should Darryl send your free assessment?
No credit search. No sales calls unless you want one. Darryl responds personally within 2 hours.
Your name
Phone number
Email address
🎉
Assessment Received!
Darryl will review your answers and tell you exactly whether a secured loan or remortgage is the better option for your situation — and why. You will hear back within 2 hours.