Compare secured loans from all the cheap secured loan providers in the UK side by side, see who offers the cheapest secured loan rates at a glance and apply for the best homeowner loan in minutes. Our personal secure loans comparison makes it easy to find the cheapest homeowner loans that suit your circumstances.

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Loan Type | Max LTV | Loan | Annual Rate | Term | |||||

Minimum | Maximum | Minimum | Maximum | ||||||

Shawbrook Bank Platinum Exclusive Secured Loan | Secured | 50% | £20,000 | £100,000 | 5% | 3 years | 25 years | ||

Representative Example: The Representative APR is 5% (variable) so if you borrow £20,000 over 10 years at a rate of 4.9% p.a. (variable) you will repay £211.15 per month & total amount payable £25,455.60. You must be a homeowner to apply as this loan will be secured against your home. Exclusively available when you get a quote through money.co.uk. | |||||||||

Nemo Personal Finance Nemo's cheapest Secured Loan | Secured | 55% | £40,000 | £200,000 | 5.59% | 3 years | 25 years | ||

Representative Example: The Representative APR is 6.2% (variable) so if you borrow £100000 over 25 years at a rate of 5.592% p.a. (variable) you will repay £644.38 per month & total amount payable £154,651.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Prestige Finance Super Sized Secured Loan from 6.5% | Secured | 50% | £100,000 | £2,500,000 | 6.5% | 3 years | 25 years | ||

Representative Example: The Representative APR is 6.86% (variable) so if you borrow £500000 over 20 years at a rate of 6.5% p.a. (variable) you will repay £3772.56 per month & total amount payable £905,414.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance Secured Loans for Self Employed 6.7% APR | Secured | 55% | £40,000 | £200,000 | 6.54% | 3 years | 25 years | ||

Representative Example: The Representative APR is 8.4% (variable) so if you borrow £40000 over 10 years at a rate of 6.54% p.a. (variable) you will repay £384.26 per month & total amount payable £46,111.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Prestige Finance Prestige Finance most affordable secured loan | Secured | 70% | £10,000 | £100,000 | 6.75% | 3 years | 25 years | ||

Representative Example: The Representative APR is 8.47% (variable) so if you borrow £50000 over 15 years at a rate of 6.75% p.a. (variable) you will repay £482.28 per month & total amount payable £86,810.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Shawbrook Banks lowest standard rate | Secured | 65% | £20,000 | £100,000 | 6.9% | 3 years | 25 years | ||

Representative Example: The Representative APR is 9.2% (variable) so if you borrow £40000 over 15 years at a rate of 6.9% p.a. (variable) you will repay £402.23 per month & total amount payable £72,401.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Flexible low rate Secured Loan | Secured | 50% | £100,001 | £150,000 | 6.9% | 3 years | 25 years | ||

Representative Example: The Representative APR is 9.2% (variable) so if you borrow £40000 over 15 years at a rate of 6.9% p.a. (variable) you will repay £402.23 per month & total amount payable £72,401.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance Part of the Principality Building Society Group | Secured | 70% | £40,000 | £200,000 | 7.01% | 3 years | 25 years | ||

Representative Example: The Representative APR is 8.3% (variable) so if you borrow £50000 over 20 years at a rate of 7.008% p.a. (variable) you will repay £418.92 per month & total amount payable £100,540.80. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance Low Rate secured loan from 7% | Secured | 65% | £7,500 | £39,999 | 7.01% | 3 years | 25 years | ||

Representative Example: The Representative APR is 8.9% (variable) so if you borrow £30000 over 15 years at a rate of 7.008% p.a. (variable) you will repay £296.76 per month & total amount payable £53,416.80. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance Secured loan at competitive rate | Secured | 70% | £7,500 | £39,999 | 7.2% | 3 years | 25 years | ||

Representative Example: The Representative APR is 10.9% (variable) so if you borrow £15000 over 10 years at a rate of 7.2% p.a. (variable) you will repay £201.27 per month & total amount payable £24,152.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Prestige Finance Part of the One Savings Bank Group | Secured | 75% | £10,000 | £100,000 | 7.5% | 3 years | 25 years | ||

Representative Example: The Representative APR is 9.69% (variable) so if you borrow £40000 over 15 years at a rate of 7.5% p.a. (variable) you will repay £421.58 per month & total amount payable £74,253.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Prestige Finance Super Sized Secured Loan from 7.5% | Secured | 65% | £100,000 | £2,500,000 | 7.5% | 3 years | 25 years | ||

Representative Example: The Representative APR is 7.84% (variable) so if you borrow £1000000 over 25 years at a rate of 7.5% p.a. (variable) you will repay £7434.21 per month & total amount payable £2,230,263.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Flexible low rate Secured Loan | Secured | 65% | £100,001 | £150,000 | 7.5% | 3 years | 25 years | ||

Representative Example: The Representative APR is 8.3% (variable) so if you borrow £150000 over 20 years at a rate of 7.5% p.a. (variable) you will repay £1254.15 per month & total amount payable £300,996.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Flexible low rate Secured Loan | Secured | 75% | £20,000 | £100,000 | 7.7% | 3 years | 25 years | ||

Representative Example: The Representative APR is 9.7% (variable) so if you borrow £50000 over 15 years at a rate of 7.7% p.a. (variable) you will repay £516.41 per month & total amount payable £92,953.80. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance Simple, straight forward process | Secured | 75% | £7,500 | £74,999 | 7.75% | 3 years | 25 years | ||

Representative Example: The Representative APR is 12.3% (variable) so if you borrow £40000 over 15 years at a rate of 7.752% p.a. (variable) you will repay £472.07 per month & total amount payable £84,972.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Flexible low rate Secured Loan | Secured | 50% | £150,001 | £200,000 | 7.75% | 3 years | 25 years | ||

Representative Example: The Representative APR is 8.5% (variable) so if you borrow £175000 over 20 years at a rate of 7.75% p.a. (variable) you will repay £1484.52 per month & total amount payable £356,284.80. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance Secured Loans for Self Employed 8.2% APR | Secured | 70% | £40,000 | £200,000 | 7.94% | 3 years | 25 years | ||

Representative Example: The Representative APR is 10% (variable) so if you borrow £40000 over 10 years at a rate of 7.944% p.a. (variable) you will repay £419.07 per month & total amount payable £50,288.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance Secured Loans for Self Employed 8.4% APR | Secured | 65% | £7,500 | £39,999 | 8.12% | 3 years | 25 years | ||

Representative Example: The Representative APR is 10.9% (variable) so if you borrow £15000 over 10 years at a rate of 8.124% p.a. (variable) you will repay £201.27 per month & total amount payable £24,152.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance High LTV secured loan | Secured | 55% | £7,500 | £100,000 | 8.59% | 3 years | 25 years | ||

Representative Example: The Representative APR is 10.7% (variable) so if you borrow £40000 over 15 years at a rate of 8.592% p.a. (variable) you will repay £435.66 per month & total amount payable £78,418.80. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Low rate Secured Loan 8.75% | Secured | 50% | £200,000 | £500,000 | 8.75% | 3 years | 25 years | ||

Representative Example: The Representative APR is 8.5% (variable) so if you borrow £175000 over 20 years at a rate of 8.75% p.a. (variable) you will repay £1484.52 per month & total amount payable £356,284.80. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Secured Loan from 8.9% | Secured | 71% | £5,000 | £60,000 | 8.9% | 3 years | 25 years | ||

Representative Example: The Representative APR is 12.4% (variable) so if you borrow £30000 over 10 years at a rate of 8.9% p.a. (variable) you will repay £425.45 per month & total amount payable £51,054.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Secured Loan from 8.9% | Secured | 55% | £5,000 | £75,000 | 8.9% | 3 years | 25 years | ||

Representative Example: The Representative APR is 12.4% (variable) so if you borrow £30000 over 10 years at a rate of 8.9% p.a. (variable) you will repay £425.45 per month & total amount payable £51,054.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Step One Finance Step One Finance's cheapest secured loan | Secured | 60% | £7,500 | £50,000 | 8.9% | 5 years | 20 years | ||

Representative Example: The Representative APR is 11.7% (variable) so if you borrow £30000 over 15 years at a rate of 8.9% p.a. (variable) you will repay £342.78 per month & total amount payable £61,700.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance Secured Loans for Self Employed 9.4% APR | Secured | 70% | £7,500 | £39,999 | 9.05% | 3 years | 25 years | ||

Representative Example: The Representative APR is 11.9% (variable) so if you borrow £15000 over 10 years at a rate of 9.048% p.a. (variable) you will repay £209.44 per month & total amount payable £25,132.80. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Prestige Finance Secured loan for thoses with mild adverse credit | Secured | 75% | £10,000 | £100,000 | 9.4% | 3 years | 25 years | ||

Representative Example: The Representative APR is 11.48% (variable) so if you borrow £50000 over 15 years at a rate of 9.4% p.a. (variable) you will repay £565.82 per month & total amount payable £101,847.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Prestige Finance Super Sized Secured Loan from 9.4% | Secured | 75% | £100,000 | £2,500,000 | 9.4% | 3 years | 25 years | ||

Representative Example: The Representative APR is 9.87% (variable) so if you borrow £1500000 over 25 years at a rate of 9.4% p.a. (variable) you will repay £13053.29 per month & total amount payable £3,915,987.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance High LTV secured loan | Secured | 65% | £7,500 | £100,000 | 9.52% | 3 years | 25 years | ||

Representative Example: The Representative APR is 12.5% (variable) so if you borrow £30000 over 10 years at a rate of 9.516% p.a. (variable) you will repay £427.3 per month & total amount payable £51,276.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance New larger loan product | Secured | 75% | £75,000 | £20,000 | 9.52% | 3 years | 25 years | ||

Representative Example: The Representative APR is 10.5% (variable) so if you borrow £100000 over 25 years at a rate of 9.516% p.a. (variable) you will repay £909.8 per month & total amount payable £272,940.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Masthaven Masthaven's cheapest loan rate | Secured | 60% | £5,000 | £100,000 | 9.75% | 3 years | 25 years | ||

Representative Example: The Representative APR is 12.1% (variable) so if you borrow £40000 over 10 years at a rate of 9.75% p.a. (variable) you will repay £562.31 per month & total amount payable £67,477.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Masthaven UK Cheapest Rate for BTL Secured Loans | Secured | 70% | £5,000 | £60,000 | 9.85% | 3 years | 25 years | ||

Representative Example: The Representative APR is 11.7% (variable) so if you borrow £40000 over 15 years at a rate of 9.85% p.a. (variable) you will repay £458.14 per month & total amount payable £82,465.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Flexible low rate Secured Loan | Secured | 75% | £5,000 | £50,000 | 9.9% | 3 years | 25 years | ||

Representative Example: The Representative APR is 13.7% (variable) so if you borrow £25000 over 10 years at a rate of 9.9% p.a. (variable) you will repay £372.16 per month & total amount payable £44,659.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Secured Loan from 9.9% | Secured | 61% | £5,000 | £75,000 | 9.9% | 3 years | 25 years | ||

Representative Example: The Representative APR is 13.5% (variable) so if you borrow £30000 over 10 years at a rate of 9.9% p.a. (variable) you will repay £443.88 per month & total amount payable £53,265.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Step One Finance 9.9% Secured Loan | Secured | 65% | £7,500 | £50,000 | 9.9% | 5 years | 20 years | ||

Representative Example: The Representative APR is 12.9% (variable) so if you borrow £30000 over 15 years at a rate of 9.9% p.a. (variable) you will repay £363.24 per month & total amount payable £65,383.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Masthaven Light Adverse Secured Loan | Secured | 60% | £5,000 | £80,000 | 9.95% | 3 years | 25 years | ||

Representative Example: The Representative APR is 11.8% (variable) so if you borrow £40000 over 15 years at a rate of 9.95% p.a. (variable) you will repay £460.77 per month & total amount payable £82,938.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Low rate BTL Secured Loan 9.95% | Secured | 55% | £5,000 | £75,000 | 9.95% | 3 years | 25 years | ||

Representative Example: The Representative APR is 12.1% (variable) so if you borrow £45000 over 15 years at a rate of 9.95% p.a. (variable) you will repay £524.9 per month & total amount payable £94,482.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Blemain Finance The UK's oldest secured loan lender | Secured | 75% | £3,000 | £50,000 | 10.29% | 3 years | 30 years | ||

Representative Example: The Representative APR is 14.3% (variable) so if you borrow £15000 over 10 years at a rate of 10.29% p.a. (variable) you will repay £227.73 per month & total amount payable £27,327.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Prestige Finance Part of the One Savings Bank Group | Secured | 80% | £10,000 | £100,000 | 10.4% | 3 years | 25 years | ||

Representative Example: The Representative APR is 13.69% (variable) so if you borrow £30000 over 10 years at a rate of 10.4% p.a. (variable) you will repay £446.13 per month & total amount payable £53,535.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Masthaven Prime Rate Loan | Secured | 70% | £5,000 | £90,000 | 10.45% | 3 years | 25 years | ||

Representative Example: The Representative APR is 12.4% (variable) so if you borrow £40000 over 15 years at a rate of 10.45% p.a. (variable) you will repay £473.99 per month & total amount payable £85,318.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Prestige Finance Secured loan for thoses with mild adverse credit | Secured | 75% | £10,000 | £100,000 | 10.5% | 3 years | 25 years | ||

Representative Example: The Representative APR is 13.2% (variable) so if you borrow £40000 over 15 years at a rate of 10.5% p.a. (variable) you will repay £491.9 per month & total amount payable £88,542.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Central Trust Ltd Large Loan 11.4% APR | Secured | 75% | £10,001 | £70,000 | 10.76% | 5 years | 25 years | ||

Representative Example: The Representative APR is 14.4% (variable) so if you borrow £20000 over 10 years at a rate of 10.76% p.a. (variable) you will repay £305.25 per month & total amount payable £36,630.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Central Trust Ltd Large Loan 11.4% APR | Secured | 75% | £10,001 | £70,000 | 10.76% | 5 years | 25 years | ||

Representative Example: The Representative APR is 13.8% (variable) so if you borrow £40000 over 15 years at a rate of 10.76% p.a. (variable) you will repay £506.56 per month & total amount payable £91,180.80. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Masthaven Let-Property Prime Rate Loan | Secured | 60% | £5,000 | £80,000 | 10.85% | 3 years | 25 years | ||

Representative Example: The Representative APR is 12.9% (variable) so if you borrow £30000 over 15 years at a rate of 10.85% p.a. (variable) you will repay £364.03 per month & total amount payable £65,525.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance Secured Loans for Self Employed 11.4% APR | Secured | 75% | £7,500 | £200,000 | 10.88% | 3 years | 25 years | ||

Representative Example: The Representative APR is 14.1% (variable) so if you borrow £40000 over 10 years at a rate of 10.884% p.a. (variable) you will repay £603.21 per month & total amount payable £72,385.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Clearly Loans EXCLUSIVE secured loan product to money.co.uk | Secured | 65% | £5,000 | £50,000 | 10.9% | 1 year | 20 years | ||

Representative Example: The Representative APR is 15.05% (variable) so if you borrow £15000 over 10 years at a rate of 10.9% p.a. (variable) you will repay £233.83 per month & total amount payable £28,059.84. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Norton Finance Secured loan from one of the UK's oldest lenders | Secured | 75% | £10,000 | £30,000 | 10.9% | 1 year | 20 years | ||

Representative Example: The Representative APR is 14.5% (variable) so if you borrow £20000 over 10 years at a rate of 10.9% p.a. (variable) you will repay £305.87 per month & total amount payable £36,704.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Secured Loan from 10.9% | Secured | 80% | £5,000 | £40,000 | 10.9% | 3 years | 25 years | ||

Representative Example: The Representative APR is 15.2% (variable) so if you borrow £20000 over 10 years at a rate of 10.9% p.a. (variable) you will repay £313.19 per month & total amount payable £37,582.80. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Secured Loan from 10.9% | Secured | 71% | £5,000 | £60,000 | 10.9% | 3 years | 25 years | ||

Representative Example: The Representative APR is 14.9% (variable) so if you borrow £25000 over 10 years at a rate of 10.9% p.a. (variable) you will repay £387.96 per month & total amount payable £46,555.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Step One Finance 10.9% Secured Loan | Secured | 70% | £7,500 | £50,000 | 10.9% | 5 years | 20 years | ||

Representative Example: The Representative APR is 15.2% (variable) so if you borrow £25000 over 10 years at a rate of 10.9% p.a. (variable) you will repay £390.91 per month & total amount payable £46,909.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Blemain Finance The UK's biggest secured loan lender for second properties | Secured | 75% | £5,000 | £75,000 | 10.95% | 3 years | 30 years | ||

Representative Example: The Representative APR is 12.9% (variable) so if you borrow £60000 over 20 years at a rate of 10.95% p.a. (variable) you will repay £668.04 per month & total amount payable £160,329.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Masthaven Light Adverse Secured Loan | Secured | 70% | £5,000 | £60,000 | 10.95% | 3 years | 25 years | ||

Representative Example: The Representative APR is 13% (variable) so if you borrow £35000 over 15 years at a rate of 10.95% p.a. (variable) you will repay £426.46 per month & total amount payable £76,762.80. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance No lender arrangement fee to pay | Secured | 80% | £7,500 | £75,000 | 11.15% | 3 years | 25 years | ||

Representative Example: The Representative APR is 14.3% (variable) so if you borrow £40000 over 15 years at a rate of 11.148% p.a. (variable) you will repay £516.92 per month & total amount payable £93,045.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Masthaven Historic Adverse Accepted | Secured | 60% | £5,000 | £80,000 | 11.25% | 3 years | 25 years | ||

Representative Example: The Representative APR is 13.3% (variable) so if you borrow £35000 over 15 years at a rate of 11.25% p.a. (variable) you will repay £433.57 per month & total amount payable £78,042.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Blemain Finance Adverse credit acceptable | Secured | 70% | £3,000 | £50,000 | 11.39% | 3 years | 30 years | ||

Representative Example: The Representative APR is 14.7% (variable) so if you borrow £25000 over 15 years at a rate of 11.39% p.a. (variable) you will repay £329.49 per month & total amount payable £59,308.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Prestige Finance Latest plan from Prestige Finance | Secured | 85% | £10,000 | £100,000 | 11.4% | 3 years | 25 years | ||

Representative Example: The Representative APR is 15.1% (variable) so if you borrow £20000 over 10 years at a rate of 11.4% p.a. (variable) you will repay £312.25 per month & total amount payable £37,470.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Masthaven Prime Rate Loan | Secured | 75% | £5,000 | £80,000 | 11.45% | 3 years | 25 years | ||

Representative Example: The Representative APR is 14.1% (variable) so if you borrow £30000 over 10 years at a rate of 11.45% p.a. (variable) you will repay £453.13 per month & total amount payable £54,375.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Masthaven Let-Property Loan with Mild Adverse Credit | Secured | 60% | £5,000 | £80,000 | 11.45% | 3 years | 25 years | ||

Representative Example: The Representative APR is 13.6% (variable) so if you borrow £30000 over 15 years at a rate of 11.45% p.a. (variable) you will repay £376.24 per month & total amount payable £67,723.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Clearly Loans EXCLUSIVE mild adverse secured loan | Secured | 65% | £5,000 | £50,000 | 11.5% | 1 year | 20 years | ||

Representative Example: The Representative APR is 15.78% (variable) so if you borrow £15000 over 10 years at a rate of 11.5% p.a. (variable) you will repay £239.64 per month & total amount payable £28,757.90. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Prestige Finance Secured loan for thoses with mild adverse credit | Secured | 70% | £10,000 | £100,000 | 11.5% | 3 years | 25 years | ||

Representative Example: The Representative APR is 14.73% (variable) so if you borrow £30000 over 10 years at a rate of 11.5% p.a. (variable) you will repay £462.56 per month & total amount payable £55,507.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance High LTV secured loan | Secured | 75% | £7,500 | £100,000 | 11.60% | 3 years | 25 years | ||

Representative Example: The Representative APR is 14.3% (variable) so if you borrow £40000 over 15 years at a rate of 11.604% p.a. (variable) you will repay £516.92 per month & total amount payable £93,045.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Central Trust Ltd Small Loan 12.6% APR | Secured | 75% | £3,000 | £10,000 | 11.64% | 3 years | 15 years | ||

Representative Example: The Representative APR is 17.6% (variable) so if you borrow £5000 over 5 years at a rate of 11.64% p.a. (variable) you will repay £122.45 per month & total amount payable £7,347.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Masthaven Historic Adverse Accepted | Secured | 65% | £5,000 | £50,000 | 11.75% | 3 years | 25 years | ||

Representative Example: The Representative APR is 14.5% (variable) so if you borrow £30000 over 10 years at a rate of 11.75% p.a. (variable) you will repay £458.68 per month & total amount payable £55,041.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance Little existing credit loan | Secured | 60% | £7,500 | £100,000 | 11.78% | 3 years | 25 years | ||

Representative Example: The Representative APR is 15.2% (variable) so if you borrow £30000 over 10 years at a rate of 11.784% p.a. (variable) you will repay £469.34 per month & total amount payable £56,320.80. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance Consolidate credit and store cards or a personal loan | Secured | 60% | £7,500 | £60,000 | 11.78% | 3 years | 25 years | ||

Representative Example: The Representative APR is 15.2% (variable) so if you borrow £20000 over 10 years at a rate of 11.784% p.a. (variable) you will repay £312.9 per month & total amount payable £37,548.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Blemain Finance Blemain's largest secured loan | Secured | 65% | £50,001 | £500,000 | 11.9% | 3 years | 30 years | ||

Representative Example: The Representative APR is 13.2% (variable) so if you borrow £500000 over 25 years at a rate of 11.9% p.a. (variable) you will repay £5454.38 per month & total amount payable £1,636,314.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Clearly Loans EXCLUSIVE secured loan product to money.co.uk | Secured | 75% | £5,000 | £50,000 | 11.9% | 1 year | 20 years | ||

Representative Example: The Representative APR is 19.82% (variable) so if you borrow £10000 over 5 years at a rate of 11.9% p.a. (variable) you will repay £255.12 per month & total amount payable £15,307.15. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Mild Adverse Secured Loan from 11.9% | Secured | 65% | £5,000 | £50,000 | 11.9% | 3 years | 25 years | ||

Representative Example: The Representative APR is 15.6% (variable) so if you borrow £25000 over 10 years at a rate of 11.9% p.a. (variable) you will repay £396.96 per month & total amount payable £47,635.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Secured Loan from 11.9% | Secured | 85% | £5,000 | £30,000 | 11.9% | 3 years | 25 years | ||

Representative Example: The Representative APR is 16.9% (variable) so if you borrow £15000 over 10 years at a rate of 11.9% p.a. (variable) you will repay £248.35 per month & total amount payable £29,802.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Secured Loan from 11.9% | Secured | 75% | £5,000 | £40,000 | 11.9% | 3 years | 25 years | ||

Representative Example: The Representative APR is 16.4% (variable) so if you borrow £20000 over 10 years at a rate of 11.9% p.a. (variable) you will repay £326.23 per month & total amount payable £39,147.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Step One Finance 11.9% Secured Loan | Secured | 75% | £7,500 | £50,000 | 11.9% | 5 years | 20 years | ||

Representative Example: The Representative APR is 16.4% (variable) so if you borrow £25000 over 10 years at a rate of 11.9% p.a. (variable) you will repay £407.17 per month & total amount payable £48,860.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Step One Finance Lowest rates for self employed borrowers | Secured | 60% | £7,500 | £30,000 | 11.9% | 5 years | 15 years | ||

Representative Example: The Representative APR is 17.7% (variable) so if you borrow £15000 over 10 years at a rate of 11.9% p.a. (variable) you will repay £254.28 per month & total amount payable £30,513.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Step One Finance Step One's most affordable secured loan against a second property | Secured | 60% | £7,500 | £50,000 | 11.9% | 5 years | 15 years | ||

Representative Example: The Representative APR is 15.5% (variable) so if you borrow £30000 over 15 years at a rate of 11.9% p.a. (variable) you will repay £409.39 per month & total amount payable £73,690.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Masthaven Let-Property Loan with Mild Adverse Credit | Secured | 65% | £5,000 | £50,000 | 11.95% | 3 years | 25 years | ||

Representative Example: The Representative APR is 15.1% (variable) so if you borrow £20000 over 10 years at a rate of 11.95% p.a. (variable) you will repay £312.07 per month & total amount payable £37,448.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Blemain Finance Light adverse BTL loan rates | Secured | 75% | £5,000 | £75,000 | 12% | 3 years | 30 years | ||

Representative Example: The Representative APR is 14.6% (variable) so if you borrow £50000 over 20 years at a rate of 12% p.a. (variable) you will repay £612.48 per month & total amount payable £146,995.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Central Trust Ltd Large Loan 14.7% APR | Secured | 75% | £10,001 | £60,000 | 12.12% | 5 years | 25 years | ||

Representative Example: The Representative APR is 16% (variable) so if you borrow £20000 over 10 years at a rate of 12.12% p.a. (variable) you will repay £322.37 per month & total amount payable £38,684.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance Little existing credit loan | Secured | 75% | £7,500 | £100,000 | 12.23% | 3 years | 25 years | ||

Representative Example: The Representative APR is 15.7% (variable) so if you borrow £30000 over 10 years at a rate of 12.228% p.a. (variable) you will repay £477.81 per month & total amount payable £57,337.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance High LTV secured loan | Secured | 80% | £7,500 | £60,000 | 12.41% | 3 years | 25 years | ||

Representative Example: The Representative APR is 15.9% (variable) so if you borrow £30000 over 10 years at a rate of 12.408% p.a. (variable) you will repay £481.27 per month & total amount payable £57,752.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Clearly Loans EXCLUSIVE mild adverse secured loan | Secured | 75% | £5,000 | £50,000 | 12.5% | 1 year | 20 years | ||

Representative Example: The Representative APR is 20.57% (variable) so if you borrow £10000 over 5 years at a rate of 12.5% p.a. (variable) you will repay £258.61 per month & total amount payable £15,516.91. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Prestige Finance Secured loan for thoses with mild adverse credit | Secured | 70% | £10,000 | £100,000 | 12.5% | 3 years | 25 years | ||

Representative Example: The Representative APR is 16.15% (variable) so if you borrow £20000 over 10 years at a rate of 12.5% p.a. (variable) you will repay £323.49 per month & total amount payable £38,818.80. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance Great rate for thoses with a fair credit-rating | Secured | 70% | £7,500 | £60,000 | 12.67% | 3 years | 25 years | ||

Representative Example: The Representative APR is 16.2% (variable) so if you borrow £20000 over 10 years at a rate of 12.672% p.a. (variable) you will repay £324.24 per month & total amount payable £38,908.80. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Blemain Finance Large Light Adverse Secured Loan | Secured | 60% | £50,001 | £500,000 | 12.76% | 3 years | 30 years | ||

Representative Example: The Representative APR is 14.3% (variable) so if you borrow £350000 over 25 years at a rate of 12.76% p.a. (variable) you will repay £4064.98 per month & total amount payable £1,219,494.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance Part of the Principality Building Society Group | Secured | 85% | £7,500 | £60,000 | 12.77% | 3 years | 25 years | ||

Representative Example: The Representative APR is 16.6% (variable) so if you borrow £30000 over 10 years at a rate of 12.768% p.a. (variable) you will repay £488.22 per month & total amount payable £58,586.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Bad Credit Loan from 12.9% | Secured | 60% | £5,000 | £50,000 | 12.9% | 3 years | 25 years | ||

Representative Example: The Representative APR is 17.4% (variable) so if you borrow £25000 over 10 years at a rate of 12.9% p.a. (variable) you will repay £428.58 per month & total amount payable £51,429.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Step One Finance Mild adverse credit acceptable | Secured | 80% | £7,500 | £50,000 | 12.9% | 5 years | 20 years | ||

Representative Example: The Representative APR is 17.6% (variable) so if you borrow £25000 over 10 years at a rate of 12.9% p.a. (variable) you will repay £423.78 per month & total amount payable £50,853.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Step One Finance Secured Loan specifically for Self Employed | Secured | 65% | £7,500 | £30,000 | 12.9% | 5 years | 15 years | ||

Representative Example: The Representative APR is 18.9% (variable) so if you borrow £15000 over 10 years at a rate of 12.9% p.a. (variable) you will repay £264.65 per month & total amount payable £31,758.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Blemain Finance Adverse credit acceptable | Secured | 65% | £3,000 | £50,000 | 12.99% | 3 years | 30 years | ||

Representative Example: The Representative APR is 16.7% (variable) so if you borrow £30000 over 15 years at a rate of 12.99% p.a. (variable) you will repay £430.59 per month & total amount payable £77,506.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Blemain Finance Large Medium Adverse Secured Loan | Secured | 55% | £50,001 | £500,000 | 13.76% | 3 years | 30 years | ||

Representative Example: The Representative APR is 15.6% (variable) so if you borrow £250000 over 25 years at a rate of 13.76% p.a. (variable) you will repay £3115.07 per month & total amount payable £934,521.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Blemain Finance Mild adverse BTL loan rates | Secured | 70% | £5,000 | £75,000 | 13.79% | 3 years | 30 years | ||

Representative Example: The Representative APR is 17.4% (variable) so if you borrow £45000 over 15 years at a rate of 13.79% p.a. (variable) you will repay £666.28 per month & total amount payable £119,930.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Clearly Loans EXCLUSIVE available in Northern Ireland | Secured | 65% | £7,500 | £50,000 | 13.9% | 1 year | 20 years | ||

Representative Example: The Representative APR is 17.4% (variable) so if you borrow £30000 over 15 years at a rate of 13.9% p.a. (variable) you will repay £443.22 per month & total amount payable £79,779.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Norton Finance Secured loan from one of the UK's oldest lenders | Secured | 75% | £3,000 | £30,000 | 13.9% | 1 year | 20 years | ||

Representative Example: The Representative APR is 18.1% (variable) so if you borrow £15000 over 10 years at a rate of 13.9% p.a. (variable) you will repay £258.64 per month & total amount payable £31,036.80. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Mild Adverse Secured Loan from 13.9% | Secured | 75% | £5,000 | £50,000 | 13.9% | 3 years | 25 years | ||

Representative Example: The Representative APR is 17.4% (variable) so if you borrow £25000 over 10 years at a rate of 13.9% p.a. (variable) you will repay £413.15 per month & total amount payable £49,578.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Step One Finance Low rate for Self Employed 13.9% | Secured | 70% | £7,500 | £30,000 | 13.9% | 5 years | 15 years | ||

Representative Example: The Representative APR is 20.2% (variable) so if you borrow £15000 over 10 years at a rate of 13.9% p.a. (variable) you will repay £275.23 per month & total amount payable £33,027.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Step One Finance Buy To Let Product for Self Employed 13.9% | Secured | 60% | £7,500 | £30,000 | 13.9% | 5 years | 15 years | ||

Representative Example: The Representative APR is 20.8% (variable) so if you borrow £15000 over 10 years at a rate of 13.9% p.a. (variable) you will repay £279.87 per month & total amount payable £33,584.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Step One Finance Specialist secured loan for buy to let properties | Secured | 70% | £7,500 | £50,000 | 13.9% | 5 years | 15 years | ||

Representative Example: The Representative APR is 18% (variable) so if you borrow £30000 over 15 years at a rate of 13.9% p.a. (variable) you will repay £454.42 per month & total amount payable £81,795.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Central Trust Ltd Small Loan 14.7% APR | Secured | 75% | £3,000 | £10,000 | 14% | 3 years | 15 years | ||

Representative Example: The Representative APR is 20.5% (variable) so if you borrow £5000 over 5 years at a rate of 14% p.a. (variable) you will repay £129.15 per month & total amount payable £7,749.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Clearly Loans EXCLUSIVE near prime secured loan to money.co.uk | Secured | 60% | £5,000 | £30,000 | 14% | 1 year | 20 years | ||

Representative Example: The Representative APR is 18.87% (variable) so if you borrow £15000 over 10 years at a rate of 14% p.a. (variable) you will repay £264.65 per month & total amount payable £31,758.42. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Nemo Personal Finance Nemo's highest equity secured loan | Secured | 90% | £7,500 | £60,000 | 14.00% | 3 years | 25 years | ||

Representative Example: The Representative APR is 17.8% (variable) so if you borrow £30000 over 10 years at a rate of 14.004% p.a. (variable) you will repay £512.46 per month & total amount payable £61,495.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Norton Finance Secured loan from one of the UK's oldest lenders | Secured | 70% | £3,000 | £30,000 | 14.9% | 1 year | 20 years | ||

Representative Example: The Representative APR is 19.4% (variable) so if you borrow £15000 over 10 years at a rate of 14.9% p.a. (variable) you will repay £268.85 per month & total amount payable £32,262.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Secured Loan from 14.9% | Secured | 90% | £5,000 | £30,000 | 14.9% | 3 years | 25 years | ||

Representative Example: The Representative APR is 16.9% (variable) so if you borrow £15000 over 10 years at a rate of 14.9% p.a. (variable) you will repay £248.35 per month & total amount payable £29,802.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Step One Finance Step One's highest LTV secured loan | Secured | 85% | £7,500 | £40,000 | 14.9% | 5 years | 20 years | ||

Representative Example: The Representative APR is 20.5% (variable) so if you borrow £20000 over 10 years at a rate of 14.9% p.a. (variable) you will repay £369.58 per month & total amount payable £44,349.60. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Step One Finance Low rate for Self Employed 14.9% | Secured | 75% | £7,500 | £30,000 | 14.9% | 5 years | 15 years | ||

Representative Example: The Representative APR is 28.1% (variable) so if you borrow £10000 over 5 years at a rate of 14.9% p.a. (variable) you will repay £291.85 per month & total amount payable £17,511.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Blemain Finance Large Heavy Adverse Secured Loan | Secured | 50% | £25,001 | £500,000 | 14.96% | 3 years | 30 years | ||

Representative Example: The Representative APR is 17.3% (variable) so if you borrow £150000 over 20 years at a rate of 14.96% p.a. (variable) you will repay £2092.68 per month & total amount payable £502,243.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Blemain Finance Secured loan for those with heavy adverse credit | Secured | 60% | £3,000 | £30,000 | 14.99% | 3 years | 30 years | ||

Representative Example: The Representative APR is 21.1% (variable) so if you borrow £15000 over 10 years at a rate of 14.99% p.a. (variable) you will repay £274.57 per month & total amount payable £32,948.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Blemain Finance Heavy adverse BTL loan rates | Secured | 60% | £5,000 | £75,000 | 14.99% | 3 years | 30 years | ||

Representative Example: The Representative APR is 19.3% (variable) so if you borrow £40000 over 15 years at a rate of 14.99% p.a. (variable) you will repay £636.99 per month & total amount payable £114,658.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Central Trust Ltd Large Loan 16.2% APR | Secured | 70% | £10,001 | £50,000 | 15% | 5 years | 25 years | ||

Representative Example: The Representative APR is 18.8% (variable) so if you borrow £20000 over 10 years at a rate of 15% p.a. (variable) you will repay £351.71 per month & total amount payable £42,205.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Clearly Loans EXCLUSIVE near prime secured loan to money.co.uk | Secured | 70% | £5,000 | £30,000 | 15% | 1 year | 20 years | ||

Representative Example: The Representative APR is 20.14% (variable) so if you borrow £15000 over 10 years at a rate of 15% p.a. (variable) you will repay £275 per month & total amount payable £32,998.74. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Spring Finance Secured loan for those with adverse credit | Secured | 65% | £10,000 | £50,000 | 15% | 5 years | 25 years | ||

Representative Example: The Representative APR is 21.02% (variable) so if you borrow £15000 over 10 years at a rate of 15% p.a. (variable) you will repay £282.25 per month & total amount payable £33,870.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Secured Loan from 15.4% | Secured | 80% | £5,000 | £40,000 | 15.4% | 3 years | 25 years | ||

Representative Example: The Representative APR is 21.3% (variable) so if you borrow £15000 over 10 years at a rate of 15.4% p.a. (variable) you will repay £284.67 per month & total amount payable £34,160.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Central Trust Ltd Small Loan 16.2% APR | Secured | 70% | £3,000 | £10,000 | 15.6% | 3 years | 15 years | ||

Representative Example: The Representative APR is 22.5% (variable) so if you borrow £5000 over 5 years at a rate of 15.6% p.a. (variable) you will repay £133.79 per month & total amount payable £8,027.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Clearly Loans EXCLUSIVE available in Northern Ireland | Secured | 75% | £7,500 | £50,000 | 15.9% | 1 year | 20 years | ||

Representative Example: The Representative APR is 20.9% (variable) so if you borrow £20000 over 10 years at a rate of 15.9% p.a. (variable) you will repay £374.67 per month & total amount payable £44,960.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Norton Finance Secured loan for those with adverse credit | Secured | 70% | £3,000 | £30,000 | 15.9% | 1 year | 20 years | ||

Representative Example: The Representative APR is 20.6% (variable) so if you borrow £15000 over 10 years at a rate of 15.9% p.a. (variable) you will repay £279.12 per month & total amount payable £33,494.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Step One Finance Low rate for Self Employed 15.9% | Secured | 80% | £7,500 | £30,000 | 15.9% | 5 years | 15 years | ||

Representative Example: The Representative APR is 29.4% (variable) so if you borrow £10000 over 5 years at a rate of 15.9% p.a. (variable) you will repay £298.34 per month & total amount payable £17,900.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Step One Finance Buy To Let Product for Self Employed 15.9% | Secured | 70% | £7,500 | £30,000 | 15.9% | 5 years | 15 years | ||

Representative Example: The Representative APR is 23.5% (variable) so if you borrow £15000 over 10 years at a rate of 15.9% p.a. (variable) you will repay £301.99 per month & total amount payable £36,238.80. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Secured Loan from 16.4% | Secured | 85% | £5,000 | £30,000 | 16.4% | 3 years | 25 years | ||

Representative Example: The Representative APR is 26.5% (variable) so if you borrow £10000 over 5 years at a rate of 16.4% p.a. (variable) you will repay £286.32 per month & total amount payable £17,179.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Clearly Loans EXCLUSIVE high LTV secured loan | Secured | 85% | £5,000 | £30,000 | 16.9% | 1 year | 20 years | ||

Representative Example: The Representative APR is 26.96% (variable) so if you borrow £7500 over 5 years at a rate of 16.9% p.a. (variable) you will repay £216.25 per month & total amount payable £12,974.61. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Norton Finance Secured loan for those with adverse credit | Secured | 60% | £3,000 | £30,000 | 16.9% | 1 year | 20 years | ||

Representative Example: The Representative APR is 24.7% (variable) so if you borrow £10000 over 5 years at a rate of 16.9% p.a. (variable) you will repay £277.6 per month & total amount payable £16,656.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Secured Loan from 17.3% | Secured | 95% | £5,000 | £30,000 | 17.3% | 3 years | 25 years | ||

Representative Example: The Representative APR is 16.9% (variable) so if you borrow £15000 over 10 years at a rate of 17.3% p.a. (variable) you will repay £248.35 per month & total amount payable £29,802.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Fast Track Secured Loan | Secured | 80% | £3,000 | £25,000 | 17.9% | 3 years | 25 years | ||

Representative Example: The Representative APR is 22.9% (variable) so if you borrow £10000 over 5 years at a rate of 17.9% p.a. (variable) you will repay £269.35 per month & total amount payable £16,161.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Clearly Loans EXCLUSIVE mild adverse secured loan | Secured | 80% | £5,000 | £30,000 | 18% | 1 year | 20 years | ||

Representative Example: The Representative APR is 28.44% (variable) so if you borrow £7500 over 5 years at a rate of 18% p.a. (variable) you will repay £221.43 per month & total amount payable £13,285.87. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank Fast Track Secured Loan | Secured | 85% | £3,000 | £25,000 | 18.9% | 2.5 years | 25 years | ||

Representative Example: The Representative APR is 22% (variable) so if you borrow £15000 over 10 years at a rate of 18.9% p.a. (variable) you will repay £290.75 per month & total amount payable £34,890.00. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Shawbrook Bank 95% LTV Secured Loan | Secured | 95% | £3,000 | £25,000 | 21.9% | 3 years | 25 years | ||

Representative Example: The Representative APR is 28% (variable) so if you borrow £10000 over 5 years at a rate of 21.9% p.a. (variable) you will repay £292.98 per month & total amount payable £17,578.80. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Equifinance Secured loan for thoses with a poor credit rating | Secured | 65% | £15,000 | £30,000 | 23.4% | 5 years | 20 years | ||

Representative Example: The Representative APR is 31.1% (variable) so if you borrow £20000 over 10 years at a rate of 23.4% p.a. (variable) you will repay £488.76 per month & total amount payable £58,651.20. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Equifinance Secured loan for thoses with a poor credit rating | Secured | 70% | £10,000 | £15,000 | 23.4% | 5 years | 20 years | ||

Representative Example: The Representative APR is 35.8% (variable) so if you borrow £10000 over 5 years at a rate of 23.4% p.a. (variable) you will repay £329.54 per month & total amount payable £19,772.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Equifinance Secured loan for thoses with a poor credit rating | Secured | 75% | £5,000 | £10,000 | 23.4% | 5 years | 20 years | ||

Representative Example: The Representative APR is 42.4% (variable) so if you borrow £5000 over 5 years at a rate of 23.4% p.a. (variable) you will repay £180.33 per month & total amount payable £10,819.80. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Evolution Money Our highest equity secured loan | Secured | 120% | £5,000 | £10,000 | 30.6% | 3 years | 10 years | ||

Representative Example: The Representative APR is 42.4% (variable) so if you borrow £7500 over 5 years at a rate of 30.6% p.a. (variable) you will repay £270.24 per month & total amount payable £16,214.40. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Evolution Money No equity, no problem | Secured | 150% | £3,000 | £6,000 | 34.5% | 3 years | 5 years | ||

Representative Example: The Representative APR is 49.2% (variable) so if you borrow £4500 over 4 years at a rate of 34.5% p.a. (variable) you will repay £191.19 per month & total amount payable £9,177.12. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Evolution Money Unlimited equity loans up to £5,500 | Secured | 150% | £2,000 | £5,500 | 42.6% | 1.5 years | 5 years | ||

Representative Example: The Representative APR is 63% (variable) so if you borrow £3500 over 3 years at a rate of 42.6% p.a. (variable) you will repay £189.17 per month & total amount payable £6,810.12. You must be a homeowner to apply as this loan will be secured against your home. | |||||||||

Evolution Money Unlimited equity loan up to £3,000 | Secured | 150% | £1,000 | £3,000 | 51.1% | 1 year | 3 years | ||

Representative Example: The Representative APR is 82.5% (variable) so if you borrow £2000 over 2 years at a rate of 51.1% p.a. (variable) you will repay £146.96 per month & total amount payable £3,527.04. You must be a homeowner to apply as this loan will be secured against your home. |

Secured loans typical APR: 16.8% variable.

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Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

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 any other debt secured on it.

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A lender who offers secured loans requires the borrower to provide some sort of guarantee for the loan.

In most cases this guarantee is made on the borrower's property which can be repossessed if regular repayments are not met: therefore it is usually only homeowners who are eligible to apply for secured personal loans.

## First charge loans

Loans taken out against a property that is owned outright are called first charges and tend to be the cheapest secured loans. First charges are more attractive to loan providers as they have direct access to a property’s equity to recover their investment.

## Second charge loans

Loans taken out against a property with an outstanding amount left on the mortgage are known as second charges.

With second charge loans the mortgage company have first claim on any equity released and only then will the loan company be able to recover funds they are owed, if loan repayments aren’t met.

Because of this you might have to pay higher interest rates on a second charge loan as the insurer tries to protect its investment.

## How much can you get?

The amount available on a secured loan tends to be larger than that offered through an unsecured channel; this is because the lender has a guarantee that one way or another they will be able to reclaim their funds.

Loan amounts may be anything up to 125% of the value of the secured property. The most common amounts tend to be between £3,000 and £100,000, although a higher sum may be possible.

Some loan providers offer their best secured loans targeted at different levels of borrowing, so the cheapest secured loans for you will vary depending on the amount you want to borrow.

## What are the interest rates on secured loans?

The interest rate applied to a secured loan is dependent on the amount borrowed, the value of the property against which the loan is secured and the personal circumstances and credit history of the borrower.

Although secured loans for bad credit are likely to have higher interest rates, secured loan companies (especially those who specialise in bad credit loans) are still willing to lend to individuals who fall into this category.

This also applies to others who may find it difficult to obtain unsecured credit including the self employed and those who work on a contract basis.

Before committing to a secured loan it is important to compare the secured loan rates advertised by lenders so that you can get the cheapest secured loans.

It is important to bear in mind that the typical APR advertised may not be the rate applied to your loan. However it does give you some indication of the spread of interest rates they offer and so the amount you may be eligible for.

## Repayment protection

Most secured loan companies offer the option of payment protection to be taken with the loan. This insurance is designed to cover the loan repayments for a certain period of time if you are unable to work due to accident, sickness or unemployment.

Although this comes at an added expense, it can be worthwhile especially if you do not have any other means of paying the monthly amounts: your home is likely to be at risk if you don't meet the repayments.

However you need to consider whether you need this very carefully, particularly due to past Payment Protection Insurance (PPI) mis-selling. Take a look at our guide, Do You Really Need Payment Protection Insurance? to find out more.

## Restrictions

The majority of secured loan companies do not place restrictions on what the borrowed funds can be used for (providing it is for legal purposes), so whether you want to consolidate your existing commitments or refurbish your home, a secured loan can be a good option.

However, before committing to a secured loan make sure the monthly payments offered are manageable within your income budget.

If you compare administration fees and interest rates offered, you can be confident of choosing the cheap secured loans that match your needs.