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cheapest secured loans

Compare 100s of secured loans. We'll help you find the right one.

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Secured Loans

  • £5,000 - £250,000+
  • Choice: 600+ plans
  • 95+% LTV available
  • Bad Credit OK
  • Trusted 5★ partner
  • Discover your Options

Low Rate Secured Loans

The UK secured loan market is very competitive with new lenders entering all the time.

Our panel of lenders stands at 15 and is the widest panel available. Between them we're able to offer over 600 secured loan products providing:

  • cheapest rates (starting at 3.83% APR)
  • fixed and variable rates
  • all levels of creditworthiness
  • loan values from £5000 to £250k+

Cheapest Secured Loans:

  • Rates start at 3.83% APR variable
  • 600+ loan products
  • Fixed rates available too
  • Representative 9.1% APRC (inc. lender and broker fees)
  • Widest choice of UK lenders

Cheap Secured Loans

The % rate you will be offered for your secured loan is influenced by:

  • your credit rating
  • the loan amount
  • the length of time you want to borrow for
  • The LTV% (loan to value) - i.e. the loan value as a proportion of the free equity in your home1

1 If your secured loan were a high % of the free equity in your property and the value of your property fell then the lender's loan might not be fully protected. So, the interest rate charged tends to rise as the LTV% rises.

So to minimise the total cost of your loan, as well as to get the lowest APR%, you should:

  • Only borrow the amount you need - don't be tempted to add a "little extra"; that could prove costly
  • Keep your loan to as low an LTV% as you can
  • Borrow for as short a time frame as possible, and pay the loan off early if you can
  • Ensure that your credit file is 100% correct and up to date

Secured Loan Calculator

The only way to know for sure what your secured loan is going to cost is to get lender quotes and compare them. They will also show you the additional fees that are applicable (lender and broker) when you take out the loan. However, you can get a sense of the cost of a secured loan by using our calculator below.

Take care as it uses the representative %APRC (which includes fees). Make sure you set "loan type" to "homeowner". As you vary loan term and loan value you can see the monthly repayment and total life cost of the loan change. It may help you to find the balance that remains affordable.

Estimate your loan repayments

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This tool is for guidance ONLY. It is designed to help you estimate loan repayments. It uses the representative APR of each product. Lenders have a duty to conduct affordability checks when you apply for a loan.
Representative example: Borrow £9,000 over 48 months. Repay £246.84 per month. Total charge for credit will be £2,848.42. Total amount repayable is £11,848.42. Representative APR 14.2% (vrbl)

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 OTHER LOAN SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY

Secured Loans

Rates from 3.83% APR*

* Actual rate will depend on personal circumstances and credit assessments. To find out what rate you can get apply below. The current Representative APRC is 9.1%, including lender and broker fees.

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When it comes to getting you your homeowner loan our online service is second to none. In fact Solution-Loans.co.uk has scored 4.6 out of 5 based on 67 ratings & 11 user reviews for its secured loans service.

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