Compare Secured Loans

  • We've teamed up with the UK's favourite secured loan broker* Fluent Money to help you in your secured loans search
  • Homeowner secured loans usually have to be applied for through a broker using your property as security
  • Use the calculator below and get a free no obligation quote that won’t affect your credit rating
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a loan or any other debt secured on it. Click here for a representative example
    • Prestige Finance Limited logo

      Prestige Finance Limited

      • Initial Rate
        3.69%
      • Total Repayments
        £35,920.80
      • Monthly Repayments
        £299.34
    • West One Secured Loans Limited logo

      West One Secured Loans Limited

      • Initial Rate
        3.79%
      • Total Repayments
        £36,090
      • Monthly Repayments
        £300.75
    • Masthaven Bank Ltd logo

      Masthaven Bank Ltd

      • Initial Rate
        3.84%
      • Total Repayments
        £36,175.20
      • Monthly Repayments
        £301.46
    • Paragon Bank PLC logo

      Paragon Bank PLC

      • Initial Rate
        3.90%
      • Total Repayments
        £36,277.20
      • Monthly Repayments
        £302.31
    • Shawbrook Bank Limited logo

      Shawbrook Bank Limited

      • Initial Rate
        3.90%
      • Total Repayments
        £36,277.20
      • Monthly Repayments
        £302.31
    • Optimum Credit Ltd logo

      Optimum Credit Ltd

      • Initial Rate
        4.00%
      • Total Repayments
        £36,448.80
      • Monthly Repayments
        £303.74
    • United Trust Bank logo

      United Trust Bank

      • Initial Rate
        4.05%
      • Total Repayments
        £36,534
      • Monthly Repayments
        £304.45
    • Together logo

      Together

      • Initial Rate
        5.34%
      • Total Repayments
        £38,785.20
      • Monthly Repayments
        £323.21
    • Step One Finance Limited logo

      Step One Finance Limited

      • Initial Rate
        6.90%
      • Total Repayments
        £41,613.60
      • Monthly Repayments
        £346.78
    • Norton Home Loans logo

      Norton Home Loans

      • Initial Rate
        8.30%
      • Total Repayments
        £44,258.40
      • Monthly Repayments
        £368.82
    • Central Trust Ltd logo

      Central Trust Ltd

      • Initial Rate
        8.50%
      • Total Repayments
        £44,635.20
      • Monthly Repayments
        £371.96
    • 1st Stop logo

      1st Stop

      • Initial Rate
        9.00%
      • Total Repayments
        £45,603.60
      • Monthly Repayments
        £380.03

Please note: Loans displayed have a minimum term of 12 months and a maximum term of 360 months. Maximum APRC charged 49.9%.

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.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
Overall Representative Example for Secured Loans from Fluent Money
Based on borrowing £18,000 over 120 months. Interest Rate: 6.5% fixed for 60 months with instalments of £227.38. Followed by 60 months at the lenders standard variable rate of 4.95% with instalments of £221.71 Total amount payable £26,945.40 comprised of; loan amount (£18,000); interest (£6,920.40); Broker fee and Lender fee
Fees Broker fee (£1,530); Lender fee (£495) Overall cost of comparison 9.1% APRC
Our comparison service features a selection of providers from whom we receive commission.
This table is ordered by initial rate.
*Fluent Money completes more secured loans than any other broker

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Secured Loans FAQ

Secured loans, known sometimes as 'homeowner loans', or 'home equity loans', are loans that use an asset belonging to the borrower as security. In the majority of cases it will be the borrower's house, but it could also be a car or other valuable belonging.

These financial options, primarily aimed at property owners, offer an option for borrowing larger sums of money than might be afforded by other personal loans - using the collateral equity in the property as security against repayments.

Secured loans are less risky for lenders - which is why they're cheaper than unsecured loans, but they present risks to you as a borrower because your home or property may be repossessed if you do not keep up with repayments.

What is a secured loan?

What are the benefits of a secured loan?

What will my interest rate depend on?

How do I work out the real cost of my secured loan?

What happens if I miss repayments on a secured loan?

How can I get the best secured loan deal?

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