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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 this guide, we’ll compare 6 best secured loans providers in UK.
TL;DR:
- KIS Finance offers a wide panel of lenders, with secured loan amounts ranging from £5,000 to £2.5 million.
- Rates from top UK lenders like United Trust Bank and Tandem Bank start below 5% for loans with 60% LTV.
- The best secured loan providers in the UK prioritize flexible terms, competitive rates, and excellent customer service.
- KIS Finance has no upfront fees, offers high LTV options, and only charges a capped broker fee of £2,950.
- To get the best secured loan deals, it’s recommended to compare providers through brokers.
Our Methodology
To create this guide, we evaluated the best secured loan providers in the UK based on key criteria:
- Loan Amount & Term Flexibility: We considered the range of loan amounts and repayment terms offered.
- Rates & Fees: We assessed interest rates and any associated fees, including broker charges and upfront costs.
- Lender Network & Accessibility: We examined the diversity of each provider’s lender panel and their ability to serve various borrower profiles.
- Online Tools: We looked at the availability and functionality of loan calculators and other helpful online resources.
- Customer Service & Reputation: We considered industry recognition and customer feedback to ensure a positive borrowing experience.
Compare 6 Best Secured Loans Providers [UK Edition]
Here’s a comparison table summarizing the key features of the top 6 secured loan providers in the UK:
| Provider | Loan Amount | Term | Loan Calculator | Key Features |
| KIS Finance | £5,000 – £2.5 million | 3 – 30 years | Yes | High LTV ratios, no upfront fees, 8% broker fee capped at £2,950, wide lender panel |
| Norton Finance | £3,000 – £350,000 | 1 – 25 years | No | No minimum property value, flexible repayment periods, industry awards for service |
| Fluent Money | £20,000 – £1 million | Not listed | No | Digital loan tracking, wide lender access, fast loan processing |
| Loanable | £10,000 – £1 million | 3 – 30 years | Yes | High-LTV options, no upfront credit checks, caters to non-standard financial situations |
| Pure Property Finance | £10,000 – £2.5 million | From 1 year | No | Fast processing, competitive LTV ratios, works with over 100 lenders |
| Ocean Finance | £10,000 – £500,000 | 3 – 30 years | Yes | Compares hundreds of loans, works with poor credit borrowers, fast loan results |
1. KIS Finance
Loan amount: £5,000 – £2.5 million
Term: 3 – 30 years
Loan calculator on website: Yes
KIS Finance is a leading UK-based finance broker offering secured loans through a wide panel of lenders. KIS Finance provides loan solutions for individuals with varying credit backgrounds and offers products with high loan-to-value (LTV) ratios. Moreover, it doesn’t 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? KIS Finance offers 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.
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.
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.
FAQs
1. What are secured loans?
Secured loans are loans where the borrower uses an asset, usually their home, as collateral. These loans typically offer higher borrowing limits and longer terms compared to unsecured loans.
2. How do I choose the best secured loan provider in the UK?
To choose the best provider, consider loan amounts, interest rates, fees, repayment terms, and customer service. Also, ensure the provider works with a diverse lender panel to accommodate your financial profile.
3. Can I get a secured loan with bad credit?
Yes, many secured loan providers in the UK consider borrowers with poor credit. Since the loan is secured against property, lenders are more likely to offer flexible terms, even for those with past credit issues.
4. What fees should I be aware of when applying for a secured loan?
Common fees include broker fees, application fees, and legal costs. Some providers charge a percentage of the loan amount, while others may charge upfront or completion fees, so it’s important to check these before applying.
5. How much can I borrow with a secured loan in the UK?
Loan amounts for secured loans in the UK typically range from £3,000 to several million pounds, depending on the lender and the value of the collateral offered.
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.
