Secured Loans

Against Your Property or Car

The entire process, from filling out our form to receiving your money, can take as little as a week.

Borrow £10,000 to £25 million

Compare Rates Starting From 5.2% APRC

All Credit Scores Considered

Flexible Repayment Options

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  • Start Your Application

    *UK Applicants Only


Need a Secured Loan? We Can Help.

Welcome to We offer a simple way to compare secured loans in the UK. We have partnered with some of the leading secured loan companies and by providing a few details, we can help find the right product to suit your needs.

Key Points:

  • Secured Loans allow you to borrow money secured against a valuable asset that you own, typically your flat or home, but also can, van, bike, art or jewellery.
  • Using the value of your asset, you can release much needed funds for things like home improvements, debt consolidation, weddings, funerals and raising finance for business purposes.
  • Importantly, if you are unable to repay your loan, the lender has the right to repossess your home or vehicle and resell it on the open market to recover the amount you owe.


In partnership with Loans Warehouse

  • Fill in Our Application

  • We Compare The Lenders

  • We’ll Give You A Call

  • If You Proceed, We’ll Cross The T’s

  • And You’ll Receive Funds To Your Account!

There could be any number of reasons why you may need to borrow money. Perhaps you are looking to buy a new car, fund home improvements, get your garden landscaped, pay for a wedding or that once in a lifetime holiday or maybe even consolidate your debts.

Some Frequently Asked Questions

How long will I need to wait?

Realistically, once the provider has your completed paperwork and subject to no unforeseen issues, you would typically be in receipt of funds in approximately 3 weeks.

Is there a lot of paperwork involved?

Typically no.

Generally you will have to provide details of your identity, address and income. You may also have to sign a loan agreement and mortgage deed and in all cases proof of your property value will need to be obtained.

How may a secured loan be advantageous?

You may have a competitive rate on your current mortgage which may not be available if you were to take out a new remortgage for a higher amount to raise the extra funds you need. A secured loan would allow you to retain your current mortgage and its benefits taking out a ‘second charge’ loan for only the extra amount you need.

In some cases you may be able to obtain a loan that offers a payment holiday after a given period of good payment conduct which could assist with reducing your monthly outgoings for periods where your financial circumstances may temporarily change.

Secured loans can offer a lower cost and be easier to obtain than typical unsecured loans.

What if I am unable repay the loan?

A secured loan is sometimes secured on your property, so some people worry about the risk involved. Remember that if you keep up the repayments on your loan then your property cannot be at risk.

Responsible providers will always work with you to help you to ensure that you can afford the amount you are asking for. They will also be keen to help you to understand your options for helping to protect your interests.

For example, it may be possible to take out insurance to cover your repayments in the event that you were taken seriously ill and unable to work etc.

Remember that, if you do have problems repaying the monies, lenders will be keen to do all they can to help you. Typically they are very reluctant to commence recovery actions and would only take steps in that direction as an absolute last resort.

In the final analysis, if you were unwilling or unable to repay the money, the provider may be able to force the sale of the asset you used to secure the amount.

Other Loan Types & Definitions

Second Charge Loans

Second charge loans gives the opportunity for you to use the equity you have in property you own, as security against another loan.

Having second charge loans means you have two mortgage loans…


Adverse Credit: Borrowed funds that have not been settled / repaid within the agreed timeframe.

Application : Required details that are supplied by the borrower before a decision to lend can be processed and approved.

What is The Criteria For Applying?

Whilst the criteria amongst lenders tend to vary, the general criteria for secured loans is as follows. Please be aware that the criteria may differ depending on the lender that you choose:

  • Over 18 Years
  • UK Resident or Living in the UK Full-Time
  • Employed or on a Pension
  • Can Afford Monthly Repayments
  • Main Owner of Property or Vehicle
  • UK, Wales and Scotland Only

How To Apply For A Secured Loan

Simply enter your details in our application form above or give us a call on 0116 464 5534. We have partnered with a leading secured loans broker who will be able to take down your details, compare secured loans available and help find the right product to suit your needs.

Our partners start by taking down some details including your name, residence, income and employment status. We need you to confirm the amount you wish to borrow and how long for and what security you will be using, such as your flat, home or car.

We carry out a number of checks to assess your eligibility and fortunately, we use a soft search on your credit file so that you do not have to worry about it showing up or affecting your credit report long-term.

Our team will use tools to value your property including the use of an Automated Valuation Model known as an AVM, which uses data from the local area to obtain a valuation of your property. For larger, more expensive properties and those looking to borrow over 75% loan-to-value, the valuation measures include a professional passing by and doing a ‘drive by valuation’ or a RICS qualified surveyor setting up an appointment to value the property.

For a typical secured loan of up to £50,000, our partners will usually cover the cost of a valuation in the package, provided it costs no more than £3,999. For bridging and development enquiries, you will need to budget for the valuation yourself.

We will require the completion of key documents including the loan agreement, identification and utility bills. Following the approval of some further checks, successful applications can be funded directly to your bank account in one lump sum within a few days – with the average application from start to finish taking around 3 weeks in total.

How Much Can You Borrow?

The amount you can you can borrow varies on several factors. One of the first things that lenders look at is your credit score using data from credit reference agencies like Experian, Equifax and Call Credit to see whether you have a lot of debt outstanding or a history of defaults.

Unfortunately, if you have used high cost short term credit like payday loans in the recent past, this may impact your chances of being approved because it may suggest that you have been financially stretched. However, an individual, couple or director with a strong credit record and history of making repayments on time will maximise your chances of getting the finance you need.

Lenders will look at how much ‘free equity’ is in your home which is the difference between a property’s value and the amount you owe on it. The bigger the difference, the better the rate you will be offered because it means that there is more the lender to recover if you fall to meet repayments.

The factors above will therefore impact the rate you receive on your loan – with those with better credit scores and more free equity able to increase their borrowing facility. Other things to get the lowest rate including using a comparison service like ours to get the best secured loans possible.

Early Repayment Fees Apply

It is important to note that those looking to repay their secured loans early may face early redemption fees. This is a small charge for terminating the agreement early and means that secured lenders are able to recover their costs.

Since a secured loan can last for 10 or 25 years, it is common to repay early if you have the means to do so. In most cases, you will make a huge saving or receive a rebate of interest because you are only paying the daily interest for the duration of the loan term. So if you pay after two years instead of five years, you save money by only paying for two years’ worth of interest.

It is worth checking your loan agreement prior to funding to understand any additional clauses and what fees could emerge if you decide to repay early.

To receive a quote within 24 hours, click on Apply Now.