Watts Mortgage and Wealth Management

Mortgage advice and financial services


01270 620555

or click here to arrange a callback from one of our experts

Secured Lending

Secured Lending

Secured loans or second mortgages can be an alternative to re-mortgaging. Secured loans can provide funds to those who would be penalised for redeeming a mortgage early or would have to accept a higher interest rate because of adverse credit or changes of circumstances generally.

Secured Loans can be used to consolidate debts to help reduce outgoings, or to carry out home improvements on your property however it is vitally important that you get Independent Mortgage Advice before considering a secured loan.

Our qualified team can explain to you in detail, how secured loans are calculated, the lenders requirements, and how the legal process works. So call us today and one of our team will be in contact with you soon.

Always get independent advice on these products! To speak to one of our independent FCA (Financial Conduct Authority) regulated mortgage advisors now call 01270 620555 or email us at .(JavaScript must be enabled to view this email address)


Your home or property may be repossessed if you do not keep up repayments on your mortgage.

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I just wanted to write and thank you both for the fantastic job you both did whilst we rearranged our mortgage.  You were able to to source a very competitive product in an amazingly fast time and it is now all up and running.  We have used watts in the past for financial products and they have always produced the goods.  I will be more than happy to refer you to our friends and family.  Great Job!

K Newton - Cartridge Cosmos

first time buyers

Buying a house is one of the most important and probably the largest investment you may make.


Watts have a comprehensive range of mortgages from across the market and look to get you a great deal when you are looking to move home.


We can search the WHOLE UK MARKET to get quotes from High Street lenders such as Santander, The Woolwich, Nationwide, NatWest and more.

Secured lending

Secured loans or second mortgages can be an alternative to re-mortgaging.

self build

For most people getting their finances in order is an important starting point for their self build project.


Where appropriate we can refer you to our sister company, Watts Commercial Finance Ltd. which provides advice on Commercial lending.

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For some people, one of the most profitable long-term investments might be purchasing property.

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home improvements

Whether that is some general modernisation or some essential repairs that you need to get done, we have a solution for you.

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regulated bridging loans

A regulated bridging loan is a form of short term funding secured by a charge on a borrower’s residential property until next stage financing is secured.

mortgage tools

Calculators to help you plan your mortgage payments and stamp duty rates.


Read what some of our existing clients have to say about our services.

arrange a callback

Send us an email with your contact details and we'll arrange for one of our advisers to call you back.

Watts Mortgage & Wealth Management Ltd is directly authorised and regulated by the Financial Conduct Authority.

We are entered on the Financial Services Register No 624815 at www.fsa.gov.uk/register/home.do

More information is available on mortgages from the Money Advice Service. www.moneyadviceservice.org.uk

Where you have a complaint or dispute with us and we are unable to resolve it to your satisfaction then we are obliged to offer you access to the Financial Ombudsman Service. Please see the following link for further details www.financial-ombudsman.org.uk

Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

For details of our fees for mortgage business please click here.

The FCA does not regulate some forms of mortgages. The FCA does not regulate taxation advice, trust advice and some forms of buy to let mortgages.