Choosing the right secured loan provider can feel like threading a needle in a haystack. You want speed, flexibility, and honest service without unexpected costs lurking around the corner. In 2025, the secured loan market in the UK continues to evolve, driven by rising demand from homeowners seeking debt consolidation, home improvements, or major purchases.
To make your life easier, we have conducted thorough research and compared some of the best secured loan providers, weighing the factors that matter most: loan amounts, terms, fees, and customer experiences.
1. KIS Finance
KIS Finance is an independent professional finance broker based in Cullompton, UK. The secured loans from KIS Finance are available through an extensive panel of lenders, which includes some of the leading secured loan providers in the country. KIS Finance emphasizes rapid application processing, low-cost borrowing, and a flexible underwriting approach designed to accommodate a wide range of borrower profiles, including those who may have been declined elsewhere. The company does not charge upfront fees and is recognized for maintaining the lowest broker fee in the market.
- Loan amount: £5,000 to £1 million
- Terms: 3 to 30 years
- Fees: 8% of the loan amount (capped at £2,950), no upfront fees
Standout feature: Applications can complete in as little as 24 hours, with decisions commonly made between three to five days.
What customers say about KIS Finance: “Was very impressed with the efficiency of KIS, particularly James and Phoebe who dealt with our application for a secured loan quickly and remaining professional, finding us the best offer for our current situation.”
2. Central Trust
Central Trust is a direct mortgage lender established in 1988 and headquartered in Watford, London. The company focuses on secured loans, homeowner loans, and second mortgages, catering to a broad range of customers including those with less-than-perfect credit histories. Central Trust employs manual underwriting processes, allowing each application to be assessed individually rather than through automated scoring systems. The organization is committed to transparent communication, offering services to employed individuals, self-employed borrowers, pensioners, and those receiving benefit income.
- Loan amount: Up to £250,000
- Terms: 3 to 25 years
- Fees: No broker fees (direct lending model)
Standout feature: Personalized manual underwriting ensures that lending decisions take into account the full circumstances of each applicant.
What customers say about Central Trust: “Very helpful advisers throughout. They made sure we understood absolutely everything and answered all our questions. Calls when it was convenient to us and no hard sales.”
3. Impact Specialist Finance
Impact Specialist Finance is an independent, family-run mortgage brokerage and finance distributor based in Horsham, West Sussex. Founded in 1991, the company specializes in providing secured loans and mortgage products for individuals with non-standard credit profiles, including those with heavy, medium, and light adverse credit histories. Among the best secured loan providers, Impact Specialist Finance offers residential and buy-to-let secured loans and is known for its willingness to handle complex cases that high street lenders often decline. The firm does not charge upfront fees and covers all processing costs on behalf of its clients.
- Loan amount: Flexible
- Terms: Flexible
- Fees: No upfront fees (Impact covers all processing costs)
Standout feature: Specialist focus on securing loans for applicants with complex credit issues without requiring upfront payments.
What customers say about Impact Specialist Finance: “Our experience has been fantastic throughout. Simon and Kevin have been very helpful and friendly and we would definitely use Impact again and recommend them to others.”
4. Blueberry Mortgages
Blueberry Mortgages is a UK-based mortgage brokerage renowned for its rapid service and customer-focused approach. With its founding team bringing over 115 years of combined experience in financial services, the company offers secured loans and bridging finance to a diverse clientele. Blueberry Mortgages maintains a “whole of market” lender panel, providing access to a comprehensive range of products suitable for various credit profiles and property types. The company emphasizes human interaction over automation, offering decisions in principle within four hours and flexible meeting options including home visits, office appointments, or online consultations.
- Loan amount: From £10,000
- Terms: Flexible
- Fees: N/A
Standout feature: Fast decision times combined with flexible acceptance criteria for non-standard properties and complex income situations.
What customers say about Blueberry Mortgages: “Dear Blueberry, just wanted to leave feedback on your company’s services, in particular Marc. The whole process was extremely positive.”
5. Norton Finance
Norton Finance is an award-winning secured loan broker with more than 40 years of experience in the financial services sector. The company offers access to a broad market of secured loan products, beyond what high street banks typically provide. Norton Finance is known for its transparent processes, customer-first service, and award-winning reputation, including the Talk Loan Awards prize for Best Secured Loan Broker in 2013. The firm’s approach is designed to suit a wide variety of borrowers, including those with unconventional financial backgrounds.
- Loan amount: £3,000 to £500,000
- Terms: 1 to 30 years
- Fees: N/A
Standout feature: Eligibility checks do not affect the borrower’s credit score, and customer service is supported by consistently high review ratings and a Platinum Trusted Service Award.
What customers say about Norton Finance: “Excellent, friendly and knowledgeable professionals, in particular Sam, who went the extra mile to support us to get a second charge mortgage. Thank you so much.”
6. WF Financial Solutions
WF Financial Solutions is an independent finance broker based in the UK, specializing in invoice, asset, and trade financing. The firm maintains established relationships with lenders of various sizes and specialties, which allows it to match clients to tailored financial products. While not limited to secured lending, WF Financial Solutions has built a reputation for transparency, personalized quotes, and access to exclusive rates. Their advisory model offers insights based on long-standing experience across industry sectors.
- Loan amount: Flexible
- Terms: Flexible
- Fees: Quotes are free and carry no obligation
Standout feature: Exclusive access to specialized lenders and the ability to secure competitive rates through long-established relationships.
What customers say about WF Financial Solutions: “Extremely helpful, understanding and very communicative, made the process very smooth and stress free. Highly recommend this company.”
7. Loanable
Loanable is a UK-based finance intermediary that connects borrowers to over 400 secured loan products across the country’s top lenders. The company is structured to assess each applicant’s full financial picture rather than focusing solely on credit history. Loanable’s model is built on adaptability, transparency, and speed, offering borrowers high loan-to-value options, even in cases involving poor credit. With no upfront checks and a focus on personal service, Loanable has become a strong option for individuals seeking flexible financing.
- Loan amount: £10,000 to £1 million
- Terms: 3 to 30 years
- Fees: N/A
Standout feature: Availability of 100% loan-to-value products and consideration for borrowers with poor credit profiles.
What customers say about Loanable: “We dealt with Mark and Christian and they were incredible. During a difficult period they were empathetic, helpful and responded so quickly to any enquiries. I couldn’t have asked for a better service and would recommend to anyone.”
Pros and Cons of Secured Loans
Secured loans provide access to significant funding with more favorable terms than unsecured alternatives. Many of the best secured loan providers in the UK offer flexible lending structures, accommodating a wide range of borrower profiles. Still, this type of loan comes with specific trade-offs that must be evaluated with care.
Pros:
- Higher borrowing limits. The asset-backed nature of secured loans allows lenders to offer larger loan amounts, often ranging from £10,000 to over £1 million depending on available equity and affordability.
- Lower interest rates. Because the risk to the lender is reduced, rates tend to be more competitive compared to unsecured products. Borrowers with solid equity positions can often access fixed or variable rates below standard personal loan levels.
- Longer repayment terms. Repayment periods can stretch up to 30 years, making it possible to reduce monthly outgoings even on high-value borrowing.
- Improved eligibility for non-standard profiles. Borrowers with adverse credit, fluctuating income, or complex financial histories may find more options available through secured products than through high street banks.
Cons:
- Property is at risk. The loan is secured against a physical asset — usually a home. Failure to meet repayment obligations could lead to repossession proceedings.
- Higher total cost over time. While monthly repayments might be lower, long terms can result in paying substantially more interest across the loan’s lifespan.
- Extended processing timelines. Legal checks, valuations, and underwriting can create delays. Even among the best secured loan providers, some applications take several weeks from submission to completion.
- Dependency on property equity and market conditions. If property values decline, borrowers may encounter challenges when refinancing or securing additional lending.
When to Consider a Secured Loan?
A secured loan may be worth considering if you need to borrow a substantial amount — typically over £25,000 — and have sufficient equity in your property. It’s particularly useful for consolidating high-interest debts, funding major home improvements, or covering time-sensitive costs where unsecured credit falls short.
Before proceeding, compare offers from the secured loan providers to assess interest rates, term lengths, and total repayment amounts. Always weigh the potential benefits against the long-term commitment and the security of your home.
How to Prepare Before Applying?
Thorough preparation improves not just your eligibility but also your negotiating power. Lenders assess a combination of creditworthiness, collateral value, and financial stability. Taking the following steps can position you more favorably:
- Audit your credit profile. Check your credit report across multiple agencies. Dispute errors, settle outstanding debts where feasible, and avoid new credit applications in the months leading up to your secured loan request.
- Compile complete financial records. Prepare at least three months of payslips or bank statements. If self-employed, include two years of accounts or SA302s. Lenders also require mortgage details and identification documents.
- Determine your usable equity
Subtract your outstanding mortgage balance from your property’s current market value. This determines how much you can realistically borrow under secured terms. - Calculate your Loan-to-Value (LTV) ratio. Divide your desired loan amount by the total property value. The lower the LTV, the more favorable your offer. Many of the secured loan providers set tiered pricing based on LTV bands.
- Run pre-qualification checks. Use soft-search tools to identify suitable lenders without damaging your credit score. This helps narrow down options and gives insight into likely approval terms.
Conclusion
A secured loan can serve as a structured solution for borrowers seeking larger sums, longer terms, or improved acceptance criteria. When sourced from the best secured loan providers, these products offer a blend of flexibility and scale that unsecured credit options typically cannot match.
However, borrowers should proceed with caution. Using property as collateral introduces a significant risk — defaulting on repayments may lead to the loss of your home. It’s advisable to conduct a full financial assessment, account for future income stability, and review lender terms thoroughly before committing. Decisions involving secured debt require precision, not haste.
Also Read: How to Get the Best Home Loan Rate by Checking Your Eligibility
