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Our Panel

UK Secured Loan Lenders

Twelve specialist secured loan lenders, each with their own strengths. Pick the right one for your case — or let us match you. Rates from 5.9% APR across the panel, with loan amounts from £5,000 to £500,000.

Central Trust

From 9.01% APR

Long-established UK second charge lender with broad LTV range up to 90%.

Up to 90% LTV£250,000 (Plan 1) / £150,000 (Plan 2) / £50,000 (Plan 5) max

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Equifinance

UK specialist second charge lender for clean and minor adverse credit borrowers.

Up to 85% LTV£150,000 max

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Evolution Money

From 12.9% APR

UK specialist lender for borrowers with significant adverse credit history.

Up to 95% LTV£50,000 max

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Mercantile Trust

UK specialist second charge lender for complex cases at smaller-to-mid loan sizes.

Up to 75% LTV£150,000 max

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Norton Finance

From 8.55% APR

UK specialist lender strong on self-employed and complex-income cases.

Up to 80% LTV£500,000 max

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Pepper Money

From 6.99% APR

Specialist UK lender for self-employed, contractors, and applicants with credit history.

Up to 85% LTV£500,000 max

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Selina Finance

From 6.34% APR

Competitive low-LTV homeowner loans and the UK's leading HELOC from a London-based digital lender.

Up to 85% LTV£500,000 max

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Spring Finance

From 7.61% APR

Specialist UK secured lender with competitive rates for clean and minor-adverse credit.

Up to 85% LTV£250,000 max

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Step One Finance

UK specialist lender for borrowers with significant adverse credit history.

Up to 85% LTV£50,000 max

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Together

Major UK specialist lender with broad criteria including adverse credit and non-standard property.

Up to 75% LTV£500,000 (residential second charge) max

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United Trust Bank

UK challenger bank with a competitive second charge mortgage division for prime borrowers.

Up to 75% LTV£500,000 (higher by referral) max

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West One

Major UK specialist lender offering second charge alongside bridging and BTL products.

Up to 80% LTV£250,000 (higher by referral) max

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Not sure which lender suits your case?

Our advisers compare all 12 panel lenders against your specific criteria — loan size, LTV, property type, credit profile, and use of funds.