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Best Secured Loans

Compare over 600 secured loans from the UK's top 15 secured lenders

Rates start at 3.65% APR.. Many loans are suitable for poor credit histories although rates will be higher than this.

Loans from £10,000 to £2.5m - although the typical loan size is in the range of £30,000 to £40,000.

By telling us how much you want to borrow and for how long (1 to 30 years) we will be able to focus your search on the lenders who will be able to offer a personalised quote. There is no obligation following your search or request for a quote.

With so many lenders competing for business we're probably able to find you a great deal. Fixed rates are great for a longer term loan to help you budget properly.

Compare Top Lender Deals

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Tell us how you much you need to borrow and for how long - we'll show you the best buy lenders. Lenders are ordered with the lowest "initial rate" first.

I want to borrow
£25,000
Over how long?
12 years


Paragon Personal Finance

Initial Rate
3.73%
Total Repayments
£35,988.00
Monthly Repayments
£299.90
See Deal


United Trust Bank

United Trust Bank was established in 1955 and are a specialist lender who provide a wide range of secured lending facilities and competitive deposit accounts. The Bank has a common-sense approach to lending, focussed on understanding each customers individual circumstances and provide products and a level of service which meets those needs fully. Homeowner products include both base rate trackers and fixed interest rates
Initial Rate
3.90%
Total Repayments
£36,277.20
Monthly Repayments
£302.31
See Deal


Masthaven Bank Ltd

Initial Rate
3.94%
Total Repayments
£36,345.60
Monthly Repayments
£302.88
See Deal


Optimum Credit Ltd

Optimum Credit are based in Cardiff and specialise in providing competitively priced 2nd charge mortgage loans tailored to your individual needs, helping you to achieve your desired outcome.
Initial Rate
4.00%
Total Repayments
£36,448.80
Monthly Repayments
£303.74
See Deal


Shawbrook Bank Limited

Shawbrook is a specialist savings and lending bank that has a strong appetite to lend and our experienced secured lending team make quick and efficient decisions within 24 hours. As market leader, we never rest on our laurels. We offer competitive rates, best in class service and constantly innovate to ensure our products, processes and service are the best they can be. We use common sense and judgement when assessing applications; each case is assessed on its individual merits rather than using a tick box approach.
Initial Rate
3.99%
Total Repayments
£36,430.80
Monthly Repayments
£303.59
See Deal


Prestige Finance Limited

Prestige Finance are the longest established lenders in the secured loan market. Prestige are specialists in assisting applicants who have adverse credit and have had difficulties in obtaining funds from traditional high street lenders. Prestige have recently been acquired by One Savings Bank and as a result will be expanding their product range whilst continuing to offer an un-rivalled service to brokers.
Initial Rate
4.15%
Total Repayments
£36,705.60
Monthly Repayments
£305.88
See Deal


Together

Blemain Finance has been established for 40 years and was one of the first specialist lenders in the UK. We play a major role in the secured second charge loans market and have consistently provided expert knowledge, speed and quality of service and market leading products. We work proactively with our brokers and their clients on applications and operate a ‘common sense’ approach to underwriting and completing cases.
Initial Rate
6.65%
Total Repayments
£41,152.80
Monthly Repayments
£342.94
See Deal


Step One Finance Limited

Step One Finance is a specialist consumer lending business focused on secured loans. Step One Finance offers a personal service to all their customers while espousing the traditional lending values of transparency, integrity, fairness and simplicity. Step One Finance's mission is to make each customer's journey hassle-free and simple while providing them with affordable financing to help them achieve their goals.
Initial Rate
6.90%
Total Repayments
£41,613.60
Monthly Repayments
£346.78
See Deal


Central Trust Ltd

Central Trust offer a range of variable and fixed rate products to both the employed and self-employed, through a straightforward and customer-focussed application process. By offering non-credit score products centred on treating each applicant as an individual, Central Trust has been able to help tens of thousands of people secure finance for a wide variety of reasons since 1988
Initial Rate
8.50%
Total Repayments
£44,635.20
Monthly Repayments
£371.96
See Deal


Norton Home Loans

Initial Rate
9.00%
Total Repayments
£45,603.60
Monthly Repayments
£380.03
See Deal


1st Stop

1st Stop Home Loans offer secured homeowner loans to UK customers and is part of the 1st Stop Group. Established in 2004, 1st Stop prides itself on their excellent customer service. Reporting 98% of their customers would recommend 1st Stop to friends and family.
Initial Rate
9.00%
Total Repayments
£45,603.60
Monthly Repayments
£380.03
See Deal


Our comparison service features a selection of providers from whom we receive commission. This table is ordered by initial rate. You use the options above the table to help focus on lenders who may be able to provide a quote.

Loans displayed have a minimum term of 12 months and a maximum term of 360 months. Maximum APRC charged 49.9%.

There are no up-front fees for using our service. The secured loan deals shown are the same as if you were able to go direct.

With so many lenders competing for business we're probably able to find you a great deal. Fixed rates are great for a longer term loan to help you budget properly.

Secured loan lenders always work through brokers (never direct) so to help you compare loans & find what you need we've teamed up with Fluent Money - the UK's largest secured loan broker.

With so many lenders competing for business we're probably able to find you a great deal. Fixed rates are great for a longer term loan to help you budget properly.

Our secured loan enquiry service has scored 4.6 out of 5 based on 81 ratings & 15 user reviews. Used our website? Write your review now.

With so many lenders competing for business we're probably able to find you a great deal. Fixed rates are great for a longer term loan to help you budget properly.

Overall Representative example for Secured Loans from Fluent Money

Borrow £18,000 over 120 months, with a fixed borrowing rate of 6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71. Total amount payable £26,945.40 comprised of; loan amount (£18,000); interest (£6,920.40); Broker fee (£1,530); Lender fee (£495). This would result in an overall cost of 9.1% APRC.

Overall Cost of Comparison 9.1% APRC

Find Your Top 10 Secured Loans

We probably have access to the widest panel of lenders in the UK (currently 15), who between them have hundreds of loan deals available, if we can't find you the best secured loan deals then we doubt anyone can!

All our lenders are well funded and eager to lend if your circumstances allow it. Rates are as low as 3.65% APR variable. While most loans are at variable rates there are fixed rate loans available too.

Due to the nature of this product there are lender setup fees and broker fees, but these are shown as part of the total deals so you can make reasonable comparisons. The representative rate is currently 9.1% APRC (which includes fees).

To compare loan deals you need to:

Obviously prior to any final loan pay outs by lenders a credit check will be done as well as a proper valuation of your property.

You may wish to quickly see the total costs associated with a secured loan and to judge if one is likely to be affordable over the time frame you have in mind. Use the repayment calculator (select "homeowner" as the "loan type") - take care as it uses the representative APR; your quotes are almost certainly going to be different. So it makes sense to get proper lender quotes now.

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