The firm said brokers were largely aware of second charges as an option to help clear long-term debt but not all were using them to their full potential.
The master broker said it had observed a “sharp increase” in broker enquiries on behalf of clients needing to get their credit profile in order at the start of the year.
The firm suggested there were a number of second charge products on the market offering good rates, which would make a good choice for consolidating debt.
It pointed in particular to consumers who use credit cards or personal loans to fund purchases and bills, who it thought could benefit from lower rates in the second charge market.
The number of people in debt has risen in recent years, with young people particularly affected. More than a third of under 25s are in debt to the tune of about £3,000 but too few are seeking advice when they get into trouble, according to a survey by YouGov for the Money Advice Trust last August.
The government is already in the process of setting up a new debt advice service, which will replace the Money Advice Service and will seek to help consumers make the right financial decision in a “more efficient” way.
While Clever Lending agreed resolving immediate debt concerns was often a priority for people, it pointed to the importance of long-term financial scenarios.
Managing director Sam Kirtikar said: “There are more low-rate second charge products on the market than ever before, many at highly attractive rates, so there are real opportunities now for brokers to help their clients.
“Getting a client’s credit profile in order can help their longer term financial situation. So it’s not just about the here and now. Secured loans should be considered as a viable debt solution offering products that are affordable and sustainable.”