Can I use a secured loan as a deposit for an investment property?

Yes, this is a very common strategy. Investors often "unlock" the equity in their primary residence to fund the deposit for a Buy-to-Let property or a holiday let, allowing them to expand their portfolio without liquidating other assets.

What are the risks of borrowing against my home to invest?

This is known as "leveraging." While it can amplify your returns, it also increases risk. If your investment doesn't perform as expected, you are still responsible for the loan repayments, and your home remains the security for that debt.

Is a secured loan cheaper than a business loan?

Often, yes. Because the loan is backed by residential property, lenders frequently offer more competitive interest rates than they would for an unsecured business or commercial loan.

Can I use the funds to invest in my own business?

Yes. Many entrepreneurs use secured loans to inject capital into their business for expansion, equipment, or stock. It’s often a faster and more cost-effective way to get the cash injection your business needs to reach the next level.

Investments | Ezra Finance

Access Capital for Your Next Investment Opportunity.

The intelligent way to fund your next investment. Leverage your home equity for specialist rates and flexible terms that keep your investment momentum moving.

Secured Loans: A Straightforward Path

In property investment, opportunity doesn't wait. Whether you need to secure a deposit for a new Buy-to-Let, cover auction costs, or fund a portfolio expansion, you need capital at pace. A Secured Loan is the intelligent way for established homeowners to access substantial, flexible funding to fuel their wealth strategy.

In the fast-moving world of property, timing is your most valuable asset. A secured loan provides a flexible 'liquidity bridge,' allowing you to act on deposits for new acquisitions or business ventures while your capital remains tied up in your primary residence. It’s the strategic tool professional investors use to maintain momentum, providing a ‘ready-to-go’ fund that moves at the speed of the market, rather than the slow pace of traditional banking

Borrowing Amounts: From £10,000 to £500,000+

Flexible Terms: 3 to 30 years to suit your budget.

Keep Your Rate: Your existing mortgage remains exactly as it is.

All Income Welcome: Specialist solutions for the self-employed and complex incomes.

Credit Status: We work with lenders who look past CCJs, defaults, or missed payments.

Speed: Fast-track processing with funds often released in weeks, not months.

Common Investment Paths

Buy-to-Let

Use your residential equity to fund a deposit on a new investment property, allowing your portfolio to grow faster.

Business Capital

Inject cash into your own company for reasons such as, stock, equipment, or marketing to scale your operations.

Portfolio Building

Access funds to invest in alternative assets, o commercial ventures, while keeping your primary residence's mortgage intact.

The Ezra Advantage for Investors

Speed of Execution

In the investment world, a day can be the difference between a deal and a disappointment. We move at the speed of your ambition.

High LTV Options

We work with lenders who understand investment strategies, often providing higher Loan-To-Value (LTV) ratios than high-street banks.

Expect Advice

We don't just "process"; we understand the investment landscape. We package your case to ensure lenders see the strength of your strategy.

Frequently asked questions

Investments FAQs

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Ready to Apply?

Get in touch and one of our advisors can guide you through the process