Secured loans allow homeowners in the UK to borrow against the value of their property. These types of loans usually offer higher borrowing limits and longer terms than unsecured credit, making them a practical choice for major expenses like home improvements or debt consolidation.
In our research, we were able to gather the best of the best secured loans providers in UK. We’ve thoroughly checked their range of products to suit different financial circumstances, from clean credit files to more complex profiles involving missed payments or non-traditional income.
1. KIS Finance
Loan amount: £5,000 – £2.5 million
Term: 3 – 30 years
Loan calculator on website: Yes
KIS Finance is a UK-based finance broker offering secured loans through a wide panel of lenders. The company provides loan solutions for individuals with varying credit backgrounds and offers products with high loan-to-value (LTV) ratios. It does not charge upfront fees for applications, valuations, or legal costs. KIS Finance applies an 8% broker fee capped at £2,950, which is only paid upon successful loan completion.
Why choose them? They offer low broker fees and access to a large panel of lenders.
2. Norton Finance
Loan amount: £3,000 – £350,000
Term: 1 – 25 years
Loan calculator on website: No
Norton Finance is a secured loan broker and lender operating in the UK since 1974. It provides access to a range of loan products, including options for customers with limited credit history. The company has received multiple industry awards for customer service and offers flexible repayment periods. Norton’s secured loans are available without a set minimum property value, making them accessible to a wider range of borrowers.
Why choose them? They provide secured loans with no minimum property value requirement.
3. Fluent Money
Loan amount: £20,000 – £1 million
Term: Not listed
Loan calculator on website: No
Fluent Money is a UK-based loans broker providing secured loan services through an extensive lender network. It offers digital application tracking via a mobile app and has built its service on borrower communication and fast loan processing. Fluent Money supports various legal funding purposes and offers both fixed and variable rate options.
Why choose them? They offer a digital loan tracking system and wide lender access.
4. Loanable
Loan amount: £10,000 – £1 million
Term: 3 – 30 years
Loan calculator on website: Yes
Loanable, one of the best secured loans providers in UK, offers products from over 400 lenders. It evaluates applicants based on their full financial profile, rather than focusing only on credit score. Loanable provides loan options to borrowers with non-traditional income sources and adverse credit histories. It does not perform upfront credit checks and offers high-LTV products.
Why choose them? They consider poor credit and non-standard financial situations.
5. Pure Property Finance
Loan amount: £10,000 – £2.5 million
Term: From 1 year
Loan calculator on website: No
Pure Property Finance is a finance broker that arranges secured loans for residential, commercial, and buy-to-let properties. The company works with over 100 lenders and offers secured finance with flexible LTV ratios. It accepts a wide range of credit profiles and provides free property valuations where applicable. Pure Property Finance also supports early repayments with low or no fees, depending on the loan terms.
Why choose them? They provide fast turnaround on deals and competitive LTV options.
6. Ocean Finance
Loan amount: £10,000 – £500,000
Term: 3 – 30 years
Loan calculator on website: Yes
Ocean Finance is a UK-based credit broker established in 1991. The company provides secured and personal loans using a panel of lenders. It supports a range of borrower profiles, including applicants with poor credit history. Ocean Finance’s secured loans are available for a variety of purposes, and loan results are typically provided within minutes. Among the best secured loans providers in UK, the company has served over one million customers and holds a Platinum Feefo Trusted Service Award.
Why choose them? They compare hundreds of secured loans and consider applicants with adverse credit.
Who could benefit from a secured loan?
Secured loans make the most sense for homeowners who want to borrow larger amounts with longer repayment periods. They’re often used for debt consolidation, home upgrades, or covering high-cost purchases that wouldn’t be possible with a credit card or standard personal loan. Because the loan is tied to property, lenders are more open to offering higher limits and better rates.
Borrowers with non-traditional income – like freelancers, contractors, or directors of small businesses – also tend to benefit, especially when unsecured lending criteria feel too rigid. The same goes for individuals with past credit issues who need flexible underwriting. Many of the best secured loans providers in UK accept these profiles and still offer competitive terms.
For anyone planning long-term, it’s smart to factor in the total cost of borrowing. There are plenty of tools like a future value calculator that can help you work out the potential value of money over time, giving a clearer picture of how repayments fit into your financial goals.
Should you get a secured or unsecured loan?
If you need to borrow a significant amount and want longer to repay, a secured loan is usually the better option. You’ll need to offer your home as collateral, which gives lenders more confidence and typically results in lower interest rates and higher limits.
Unsecured loans don’t require any assets but often come with tighter restrictions. They work best for smaller sums, shorter terms, or when you’re not comfortable putting property on the line. That said, you’ll usually pay more in interest.
For bigger plans or long-term funding, secured lending tends to offer more flexibility and better value.
Conclusion
Finding the right lender starts with understanding your financial goals and how much risk you’re willing to take. Whether you’re consolidating debt, funding property work, or unlocking equity for future plans, comparing offers from the best secured loans providers in UK can help you access more competitive terms and a smoother process. Not every lender fits every borrower, so the more tailored the match, the better the outcome.
David Prior
David Prior is the editor of Today News, responsible for the overall editorial strategy. He is an NCTJ-qualified journalist with over 20 years’ experience, and is also editor of the award-winning hyperlocal news title Altrincham Today. His LinkedIn profile is here.
