Secured Loans Made Easy

Welcome to securedloans.com, a one-stop resource for online borrowers that includes useful information on the different types of loan available, how to apply and anything else you might need to know along the way. Working with UK Property Finance fully FCA regulated. Your data is not passed to any other third party and no credit checks are done when filling in the preliminary form below.

Complete our simple, secure form to start the process…








  • Poor or bad credit accepted
  • No Upfront Fees!
  • Self-Employed Welcome
  • Flexible Repayment Options
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Secured Loans Calculator
  1. 1

    Complete our simple, secure loans form

  2. 2

    We’ll compare the lenders for you

  3. 3

    We’ll give you a call with all of the details

  4. 4

    If you choose to proceed we help you cross the t’s

  5. 5

    Get your money!

The entire process, from filling out the online application to receiving the requested amount, can be completed in a single week.

Second Charge Loans

A second charge loan allows you to use the equity in a property you own as security against additional finance. When you take out a secured loan of this nature, it is kind of like having a secondary mortgage, so you will usually need to get permission from your original lender before you apply. The equity is the difference between the market value of a property you own, less any outstanding mortgage amount owed on it. For example, if the market value of your home is £300,000 and you have a mortgage of £250,000, the equity has a value of £50,000.

Loans for all purposes

There could be any number of reasons that you might need to borrow money in the form of a secured loan. Perhaps you are looking to buy a new car, pay for home improvements and get your garden landscaped, cover the cost of a wedding or finance that once in a lifetime holiday – or you may simply want to consolidate your existing debts. In these situations, many people will use a secured loan provider in order to gain access to the funds they need. This is because secured loans often work out much cheaper than borrowing on your credit card or taking out another type of finance with a higher rate of interest. A secured loan may also be useful if you want to borrow larger sums of money.

Consolidate your debts

If you already have a number of existing debts, you may be struggling to keep up with lots of different payments to several different lenders. Debt consolidation loans provide a simplified means of paying off all of your existing debts, by consolidating them all into one simple, affordable monthly repayment.

Secured loans may also save you money on your overall debt amount, as the interest rates are much lower if you are able to offer the lender a decent amount of security on the money you have borrowed.

What are secured loans?

Secured loans are a type of finance that is secured against one of your assets (typically your home).

If you have not encountered these terms before:

  • ‘secured’ means that you have given a guarantee that, if you find yourself unable to repay the loan, the lender can recover their money by selling something you own:
  • An ‘asset’ is something of value that you own, either outright or in part.

Of course, a secured loan may not be the most suitable solution for you and a remortgage may be a more cost-effective solution depending on your circumstances.

Benefits of secured lending

This type of borrowing tends to be suited to property owners looking for lower interest rates and higher loan amounts than they may get with an unsecured loan or some other form of credit. Also known as homeowner loans, these financing products are also ideal if you are looking to repay the money over an extended period of time.

Another benefit of secured loans is that they are often much easier to obtain than unsecured finance. This is because a secured loan lender knows that if you fail to keep up your repayments, he could, if required, force the sale of your home in order to recover his monies. However, if you are experiencing difficulties, the lender will always try and work with you first to resolve the issue.

If you are self-employed, have a new job or have struggled with debt in the past, you may still be eligible to apply for a secured loan although the rate of interest may be somewhat higher.

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