Market Insights

UK Secured Loan Market Snapshots

Monthly published analysis of UK second charge mortgage rates and market activity. Published by Samantha Turner, FCA-authorised specialist lending broker. Each snapshot captures panel rates by credit tier and LTV at a single point in time — designed for journalists, researchers, and homeowners researching the market.

Data released under Creative Commons BY 4.0 — citations welcome with attribution to Charles Frank Finance Limited.

June 2026

UK Secured Loan Market Snapshot — June 2026

FCA-authorised broker analysis of UK second charge mortgage rates across 6 specialist panel lenders. Selina Finance leads on rate at 6.34% APRC for sub-50% LTV clean credit; Pepper Money offers 6.99% APR up to 85% LTV. Adverse credit rates range to 12.90% (Evolution Money, 95% LTV). Market activity strong following Q1 2026 FLA data showing second charge volumes up 33% year-on-year.

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