Lender Profile
Norton Finance Secured Loans
UK specialist lender strong on self-employed and complex-income cases.
Starting rate
8.55% APR
Initial fixed period
Up to 24 months
Max LTV
80%
Loan range
£5,000–£500,000
About Norton Finance
Norton Finance is a UK specialist secured loan lender with a long track record of supporting self-employed and complex-income borrowers. They sit alongside Pepper Money in the specialist market segment, with rates from 8.55% on minor-adverse cases.
Norton's underwriting style is relationship-driven — senior underwriters available to discuss complex income, recent business changes, and unusual circumstances. Their tiered fee structure (£795 below £100,000, £995 above) is designed to be competitive across the typical UK loan size range.
They lend up to £500,000 across their product range and accept minor-adverse credit. Norton are a particularly strong choice when affordability is the main constraint and the case needs an underwriter who'll engage with the detail rather than rely on rigid scorecards.
Product range: Second charge mortgages on 2-year fixed rates with revert to variable. Clean credit and minor adverse considered. Strong appetite for self-employed and complex income.
Best for
- Self-employed applicants with multiple income sources
- Cases where affordability needs case-by-case underwriting rather than scorecards
- Minor-adverse credit borrowers up to 80% combined LTV
- Larger loans up to £500,000
Key facts
- Min Loan
- £5,000
- Max Loan
- £500,000
- Max Term
- 30 years
- Max Ltv
- 80% combined
- Fee
- £795 (below £100k) / £995 (above £100k)
- Credit Tier
- Clean to minor adverse
- Rate Structure
- 2-year fixed, then variable revert
- Completion
- Typically 3–4 weeks
Pros
- +Underwriting strength on self-employed and complex income
- +Up to £500,000 loan size
- +Tiered fee structure competitive across the typical UK loan size range
- +Long market tenure with established process
Cons
- −Currently primarily 2-year fixed — limited longer-fix availability
- −Headline rates not the lowest in the market
- −Doesn't accept moderate or heavy adverse credit cases
Norton Finance FAQs
Does Norton Finance specialise in self-employed lending?
Yes — Norton has a long-standing reputation for supporting self-employed borrowers and contractors. Their underwriters will work with SA302s, accountant-prepared accounts, retained profits in limited companies, and day-rate annualisation.
What's the maximum LTV at Norton Finance?
80% combined LTV across their secured loan range. They don't currently offer 85% or 90% LTV products.
Can I borrow £500,000 from Norton Finance?
Yes, subject to affordability and the property supporting that loan within the 80% combined LTV cap. Higher loan amounts trigger the £995 arrangement fee and typically require a physical valuation rather than a desktop estimate.
Apply for a Norton Finance secured loan
We'll match your case against Norton Finance's criteria first — and the rest of our panel — to find the cheapest fit.