Best Secured Loans UK 2025: Compare Homeowner Loans

By Rob Evans, EyeOnYourCredit.com

Updated: | Comparison Guide

Mortgage approval process timeline for secured loans — Secured loans use your property as collateral, allowing access to larger amounts at lower interest rates.

A secured loan, also known as a homeowner loan or second charge mortgage, allows you to borrow against the equity in your property. Because the loan is secured against your home, lenders are willing to offer significantly larger amounts at lower interest rates than unsecured personal loans. This makes secured loans a powerful option for major home improvements, debt consolidation, or large one-off expenses.

The critical caveat is that your home is at risk if you fail to keep up with repayments. Before taking out a secured loan, it is essential to ensure the monthly repayments are genuinely affordable and to understand the full cost of borrowing over the loan term. Use our loan repayment calculator to model the true cost.

Best Overall

#1 Norton Finance

UK's leading specialist secured loan broker

★★★★★

✓Borrow from £3,000 to £500,000
✓Repayment terms up to 30 years
✓Considers adverse credit histories
✓Whole-of-market broker
✓FCA regulated

Norton Finance is the UK's most established specialist secured loan broker. Their whole-of-market access means they can find competitive rates even for borrowers with a complex credit history, and their experienced advisers guide you through every step of the process.

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Best Rates

#2 Spring Finance

Competitive secured loan rates for homeowners

★★★★★

✓Representative APR from 9.9%
✓Borrow £10,000 to £250,000
✓Up to 85% LTV available
✓Flexible repayment terms
✓Fast decision process

Spring Finance offers some of the most competitive secured loan rates for homeowners with good equity and a clean credit history. Their fast decision process makes them a good option if you need funds quickly.

Check Spring Finance Rates →

Best for Adverse Credit

#3 Together Money

Secured loans for complex financial situations

★★★★★

✓Considers CCJs and defaults
✓Borrow up to £500,000
✓Flexible underwriting criteria
✓Self-employed applicants welcome
✓Specialist in non-standard properties

Together Money is a specialist lender that considers applications from borrowers who have been declined elsewhere due to adverse credit history, self-employment, or non-standard property types. Their flexible underwriting makes them a valuable option for complex cases.

Check Together Money Rates →

Best Broker

#4 Freedom Finance Secured

Broker service searching multiple secured lenders

★★★★★

✓Searches multiple secured lenders
✓Soft search eligibility check
✓No obligation quote
✓Specialist debt consolidation service
✓FCA regulated broker

Freedom Finance's secured loan brokerage service searches a panel of specialist lenders to find the best rate for your circumstances. Their no-obligation soft search means you can see indicative rates without affecting your credit score.

Compare Secured Loans →

UK mortgage and secured loan news — Secured loan rates are closely linked to mortgage market conditions and the Bank of England base rate.

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Disclosure: This page contains affiliate links. We may receive a commission when you click through and apply for a product. This does not affect our editorial independence. Product information is accurate at time of publication but rates and terms change frequently. Always verify current terms on the provider's website before applying.

Best Secured Loans in the UK

Homeowners can access larger loan amounts at lower rates by using their property as security.

Best Secured Loans in the UK

#1 Norton Finance

#2 Spring Finance

#3 Together Money

#4 Freedom Finance Secured