Secured Loans – find your best deal
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Compare the UKs best secured loan deals in minutes and see how low the monthly repayments could be
See how much you could borrow and tailor your perfect secured loan option without affecting your credit score.
- Find your best secured loan deal
- Save loan quote – return any time
- Quote won't affect credit score
- Easily complete whole process online
- Compare lowest rates & repayments
See your best Secured Loan options online in minutes…
With DirectQuote, our industry leading, secure online process makes it easy for you to tailor and compare the latest secured loan deals available to you from all the leading UK lenders.
Get StartedUnsure which secured loan option is right for you?
If you're unsure which secured loan option is right for you – call today to speak with one of our loan experts or talk with us via our live advisor help chat.
To speak to a secured loan advisor call 0800 029 1671
Types of secured loan
Homeowner Loans
Debt Consolidation Loans
Bad Credit Secured Loans
Home Improvement Loans
What can you use a Secured Loan for?
Home improvements
Extensions, renovations, new kitchens, and property upgrades
Debt consolidation
Combine multiple debts into one manageable monthly payment
Business investment
Fund business expansion, equipment, or working capital
Major purchases
Cars, boats, caravans, or other significant expenditures
Education costs
University fees, training courses, or professional development
Investment opportunities
Property purchases, portfolio investments, or ventures
How much could you save by consolidating expensive credit with a secured loan?
With the average credit card interest rate at around 24.39%, it's easy to see how consolidating with a low rate secured loan could reduce many customers credit repayments by £100s each month.
Many customers reduce their monthly repayments by over £500 each month…
See how much better off you could beHow do Secured Loans work?
Use your property as security
Your home or other property acts as collateral for the loan.
Apply for the amount you need
Borrow from £10,000 up to £2.5 million based on property equity.
Undergo property valuation
Lender assesses your property value to determine loan amount.
Complete affordability checks
Income and expenditure review to ensure repayment capability.
Receive funds
Once approved, funds are released typically within 4-6 weeks.
Should you choose a Secured Loan?
Secured loans are ideal if:
- You need to borrow a large amount (£25,000+)
- You want longer repayment terms to reduce monthly payments
- You have less-than-perfect credit but own property
- You want lower interest rates than unsecured alternatives
Consider alternatives if:
- You only need a small amount (under £15,000)
- You don't want to put your property at risk
- You can get competitive unsecured rates
- You might want to move house soon
Secured vs Unsecured Loans Comparison
| Secured Loans | Unsecured Loans | |
|---|---|---|
| Borrowing amounts | £10,000-£2.5m | £1,000-£50,000 |
| Interest rates | Lower (3.9%-15%) | Higher (5%-35%+) |
| Loan terms | 3-30 years | 1-7 years |
| Credit requirements | More flexible | Stricter requirements |
| Security required | Property needed | No security required |
| Risk to property | Loan secured against property | No property risk |
Tools & Support
Secured loan product information
- Borrow from £10,000 to £2.5 million (subject to equity)
- Loan term over 3 to 30 years
- Interest rates from 3.9% to 15% APR
- LTV up to 85% of property value
- Early repayment usually allowed with potential charges
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