Our Panel

UK Secured Loan Lenders

A selected specialist panel of secured loan lenders, each with their own strengths. Pick the right one for your case — or let us match you. Lender rates from 6.34% across the panel (7.0% APRC on Selina Finance's 5-year fixed at sub-50% LTV), with loan amounts from £5,000 to £500,000.

Central Trust

From 9.01% APR

Long-established UK second charge lender with the widest LTV range on the panel — from prime clean at 75% LTV through to 90% LTV via Plan 5.

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 laser-focused on standard secured loan cases — clean and minor adverse credit at typical UK loan sizes with the consistency of a single-product-line business.

Up to 85% LTV£150,000 max

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Evolution Money

From 12.9% APR

UK specialist lender for significant adverse credit — up to 95% combined LTV, no arrangement fee, no ERCs. Often the only viable secured route for heavy-adverse cases.

Up to 95% LTV£50,000 max

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Interbridge

High-LTV second charge specialist with sharp, dynamic pricing that's consistently competitive across the market — up to 95% combined LTV with case-by-case adverse credit acceptance and no-ERC flexibility.

Up to 95% LTV£500,000 max

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Masthaven

From 7.61% APR

UK specialist secured lender with a granular product ladder covering clean credit to minor adverse — the panel's most differentiated tiered fee structure and mid-market Optimal Zero rate leadership.

Up to 85% LTV£250,000 standard (£150,000 on HLTV variant) max

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Norton Finance

From 8.55% APR

One of the UK's longest-established secured loan lenders — heritage brand with human-led underwriting for self-employed, complex income, and adverse credit 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 borrowers with credit history — with the deepest adverse-credit tier structure on our panel.

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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Step One Finance

UK specialist adverse-credit secured lender — accepts significant CCJs, defaults, IVAs, and active arrears where mainstream and minor-adverse specialists have declined.

Up to 85% LTV£50,000 max

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Together

From 8.50% APR — one of the UK's largest specialist lenders, built around taking on the cases mainstream lenders won't.

Up to 75% LTV£300,000 (higher available at lower LTV) max

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United Trust Bank

The only fully-licensed UK bank on our secured loan panel — competitive rates for prime borrowers with the counterparty backing of a regulated challenger bank.

Up to 75% LTV£500,000 standard (higher amounts by referral, uncommon amongst non-bank specialists) max

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Not sure which lender suits your case?

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

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