About Us
Helping homeowners
find better rates
Secured Loan Rates is an FCA-authorised credit broker helping UK homeowners compare secured loan rates from a panel of specialist lenders. Free quotes, no hard credit check, no obligation.
Who we are
Secured Loan Rates is a trading style of Charles Frank Finance Ltd, a credit broker authorised and regulated by the Financial Conduct Authority (FRN 624668).
We are based in the UK and have been helping homeowners access competitive secured loan rates for years. Our team understands that borrowing against your home is a significant financial decision, and we are committed to making the process as transparent and straightforward as possible.
We are a credit broker, not a lender. That means we work on your behalf to find the most suitable deal from our panel of specialist lenders — rather than pushing a single product.
What we do
We make it simple to compare secured loan rates from multiple lenders in one place.
Compare rates instantly
Enter your loan amount and property value to see live indicative rates from our lender panel — side by side, in seconds.
Free, no-obligation quotes
There is no charge to use our comparison tool or to get a personalised quote. We only earn a fee if you proceed with a lender and your loan completes.
Expert guidance
When you are ready to apply, an FCA-authorised adviser reviews your circumstances and matches you with the most suitable lender for your needs.
Our lender panel
We work with a carefully selected panel of specialist UK lenders who focus on secured loans, also known as second charge mortgages or homeowner loans.
Our panel includes lenders who cater to a wide range of circumstances — from homeowners with clean credit histories looking for the lowest rate, to those with adverse credit (CCJs, defaults, missed payments) who need a specialist solution.
Because we compare multiple lenders, you can be confident you are seeing competitive rates rather than relying on a single provider. Every lender on our panel is authorised and regulated by the FCA.
£5k – £500k
Loan amounts
3 – 30 years
Loan terms
Clean to adverse
Credit profiles
Up to 85%
LTV
Regulated and transparent
Trust matters when it comes to borrowing against your home. Here is how we ensure you are protected:
FCA authorised and regulated
Charles Frank Finance Ltd is authorised and regulated by the Financial Conduct Authority (FRN 624668). You can verify this on the FCA Register at any time.
No fees to compare
Using our rate comparison tool is completely free. You will never be charged for comparing rates or getting a quote. We are only paid by the lender if your loan completes.
Soft credit check only
Comparing rates and getting an initial quote uses a soft credit check that does not affect your credit score. A hard search only happens if you choose to proceed with a formal application.
Clear, honest information
We display representative APRs, total amounts repayable, and all fees upfront. No hidden charges, no surprises. Your adviser will explain everything before you commit.
Our commitment to you
We know that taking out a secured loan is a big decision. Your home is used as security, and we take that responsibility seriously. Our commitment is straightforward:
Your interests first
We recommend the most suitable product for your circumstances, not the one that pays us the highest commission.
No pressure, ever
You are under no obligation to proceed at any stage. Compare rates, get a quote, and take as long as you need to decide.
Plain English
Secured loans can be complex. We explain everything in clear, straightforward language so you can make an informed decision.
Accessible support
Have questions? Our team is available by phone and email to help you understand your options — before, during, and after your application.
Data protection
Your personal information is protected in line with UK GDPR. We never sell your data to third parties. See our privacy policy for full details.
Continuous improvement
We regularly review our lender panel, tools, and processes to ensure we are offering the best possible service to homeowners.
Ready to compare rates?
See live secured loan rates from our lender panel in minutes. Free, no credit check, no obligation.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT.