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.
July 2026
UK Secured Loan Market Snapshot — July 2026
FCA-authorised broker analysis of UK second charge mortgage rates across the 10-lender specialist panel in July 2026. Lowest achievable APRC 7.0% (Selina Finance 5-year fixed, sub-50% LTV). Prime clean-credit rates held broadly stable through Q2 2026 despite BoE base rate held at 3.75% at the 18 June 2026 MPC meeting. Q2 2026 second charge lending expected to extend Q1's 33% year-on-year growth trajectory when the FLA releases the mid-July figures.
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June 2026
UK Secured Loan Market Snapshot — June 2026
FCA-authorised broker analysis of UK second charge mortgage rates across our selected specialist panel. Selina Finance leads on rate at 6.66% APRC for sub-50% LTV clean credit; Pepper Money offers 6.99% 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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