Our top 5 secured loans
We've hand selected our top 5 secured loan lenders. Please note, this is based on own opinions and does not constitute advice, recommendation or suitability of your financial circumstances.
Paper Money Secured Loan
Our Rating
Maximum LTV
Available amounts
Available terms
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Money Saving Advisors Summary
Pepper Money offers secured loans up to a potential 95% loan-to-value, making it a potential option for those who need to maximise their borrowing against the value of their property.
Eligibility criteria
- Minimum property value of £75,000
- Available to self-employed, employed, contractor income applicants
- Property must be in the UK and already have a first charge mortgage secured against it
- The loan must be secured on your primary residential address
Norton Home Loans Secured Loans
Our Rating
Maximum LTV
Available amounts
Available terms
Rate options
Money Saving Advisors Summary
Norton Home Loans offers loans up to 80% loan-to-value with a maximum loan of £250,000, which may be an option if you want to borrow a lower loan amount, especially if you have a property value below £75,000
Eligibility criteria
- No minimum property value
- Available to self-employed, employed, contractor income applicants
- Property must be in the UK and already have a first charge mortgage secured against it
- The loan must be secured on your primary residential address
Central Trust Secured Loans
Our Rating
Maximum LTV
Available amounts
Available terms
Rate options
Money Saving Advisors Summary
Central Trust offers secured loans up to 90% loan-to-value with fast customer support, so may be a good option if you need the funds quickly.
Eligibility criteria
- Minimum property value of £75,000
- Available to self-employed, employed, contractor income applicants
- Property must be in the UK and already have a first charge mortgage secured against it
- The loan must be secured on your primary residential address
United Trust Bank Secured Loans
Our Rating
Maximum LTV
Available amounts
Available terms
Rate options
Money Saving Advisors Summary
United Trust Bank offers secured loans up to 85% loan-to-value with a maximum loan of £500,000 making them an option for larger loan amounts with broader repayment terms up to 30 years which can help reduce monthly repayments.
Eligibility criteria
- Minimum property value of £90,000
- Available to self-employed, employed, contractor income applicants
- Property must be in the UK and already have a first charge mortgage secured against it
- The loan must be secured on your primary residential address
Together Secured Loans
Our Rating
Maximum LTV
Available amounts
Available terms
Rate options
Money Saving Advisors Summary
Together offers secured loans up to 85% loan-to-value with broad repayment terms and a maximum loan value of £500,000 making them an option for homeowners with an existing first charge mortgage.
Eligibility criteria
- No minimum property value
- Available to self-employed, employed, contractor income applicants
- Property must be in the UK and already have a first charge mortgage secured against it
- The loan must be secured on your primary residential address
*These secured loan providers are part of a panel of lenders available via a comparison and quote service provided via our partnerships with brokers. Data provided is submitted directly to our partners for the purpose of getting you a quote. Money Saving Advisors Ltd does not form part of the service beyond this introduction.
Think carefully before taking out any mortgage. Your home may be repossessed if you do not keep up repayments, If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the term of the debt, therefore increasing the total amount you repay.
Overall representative example for
secured loans
Loan amount
Length of loan
Monthly repayment
£18,000
120 months
£227.38
Broker Fee
Lender Fee
Total amount repayable
£1,530
£495
£26,945.40
Borrowing £18000 over 120 months. 6.5% fixed for 60 months with installments of £227.38. Followed by 60 months at the lenders standard variable rate of 4.95% with instalments of £227.71. Broker fee (£1,530); Lender fee (£495). Total repayable of £26,945.40 comprised of; loan amount (£18,000); interest (£6,920.40); Broker fee and Lender fee. Overall cost comparison 9.1% APRC.
