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💬 WhatsApp Darryl 🚀 Free Assessment
Secured Loan or Remortgage?
Free 60-second check — Darryl tells you which saves you more money
Step 1 of 7
Why do you need to raise money?
This helps Darryl understand which option best fits your needs
🏠
Home improvements
Extension, loft, kitchen, bathroom
💳
Debt consolidation
Replace expensive monthly payments with one lower one
💼
Business capital
Fund a business start-up or expansion
🔑
Property deposit
Fund a deposit on another property
💰
Other large purchase
Wedding, vehicle, education or other
Step 2 of 7
What is your current mortgage interest rate roughly?
This is the single most important factor in whether a secured loan or remortgage saves you more money
📉
Under 2.5%
Probably fixed pre-2022 — definitely worth keeping
📊
2.5% to 4%
Good rate — probably worth protecting
📈
4% to 5.5%
Average current rate — depends on situation
⚠️
Over 5.5%
Could be worth remortgaging entirely
🤷
Not sure
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.
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Darryl Dhoffer Free bad credit assessment — no credit search
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Lender criteria, rates and deposit requirements quoted on this page are indicative and subject to change without notice. Individual circumstances vary. This page provides general information only and does not constitute regulated financial advice. Darryl Dhoffer is authorised and regulated by the Financial Conduct Authority — FCA No. 301173. Access Financial Services Ltd, registered in England No. 04427489. Your home may be repossessed if you do not keep up repayments on your mortgage.