UK Coverage
Secured Loans Across the UK
We're an FCA-authorised broker headquartered in Cardiff, with a panel of 12 specialist secured loan lenders covering homeowner loans nationwide. Pick your local market for use cases, postcode coverage, and typical case profiles.
Aberdeen
North East Scotland
Aberdeen property is below 2014 peak values but with deep equity for long-term owners. The energy sector transition (oil and gas decline, offshore wind growth) creates income complexity that specialist lenders are better equipped to assess than high-street banks. Pepper Money and West One are particularly active here.
Secured loans in Aberdeen →
Belfast
Northern Ireland
Northern Ireland property values are typically 25-35% below the UK average, but ownership tenure is often longer — meaning the equity-to-loan ratio that lenders assess is often very favourable. All UK specialist lenders accept Belfast cases; the main constraint is property valuation infrastructure rather than appetite.
Secured loans in Belfast →
Birmingham
West Midlands
West Midlands property values sit roughly 30–40% below the London average. Combined with steady regional house price growth, this supports both meaningful equity for borrowers and competitive rates from lenders.
Secured loans in Birmingham →
Brighton
South East England
Brighton property values track London commuter-belt pricing, with average prices in BN1/BN3 well above £450k. The strong creative sector and self-employed population creates regular demand for specialist lender flexibility on income evidence — Pepper Money, West One, and United Trust Bank are particularly active here.
Secured loans in Brighton →
Bristol
South West England
Bristol property values are among the UK's strongest outside London, supporting larger-than-average secured loan amounts and a strong equity base across the homeowner population.
Secured loans in Bristol →
Cambridge
East of England
Cambridge property values rival London commuter-belt pricing — average values in CB1/CB3 well above £500k. The strong professional and academic population creates a clean-credit-dominated market where Selina Finance and UTB are particularly competitive. The biotech contracting community also creates demand for specialist income underwriting.
Secured loans in Cambridge →
Cardiff
South Wales
Welsh property values typically sit 15–25% below the English regional average. Cardiff is the strongest Welsh market, with central CF11 and CF14 postcodes pricing comparably with mid-cost English regions.
Secured loans in Cardiff →
Edinburgh
Lothian
Edinburgh property values are the strongest in Scotland and approach lower-zone London prices in prime central postcodes — supporting larger secured loan amounts than other Scottish markets.
Secured loans in Edinburgh →
Glasgow
Strathclyde
Glasgow property values sit roughly 30–40% below Edinburgh in equivalent postcodes — favouring yield-driven BTL investment and supporting moderate equity build-up for residential borrowers.
Secured loans in Glasgow →
Leeds
West Yorkshire
West Yorkshire property values sit similar to the West Midlands range — favouring yield-driven investment in BTL and supporting solid equity build-up for residential borrowers.
Secured loans in Leeds →
Liverpool
Merseyside
Liverpool property values sit at the lower end of the UK regional market — favouring high-yield BTL investment and supporting moderate equity build-up for owner-occupiers since 2015.
Secured loans in Liverpool →
London
Greater London
London's residential prices average roughly twice the UK figure, with prime central averaging £1.5m+. The high equity base supports larger secured loan amounts than any other UK market — making London the dominant region for £100,000+ cases.
Secured loans in London →
Manchester
Greater Manchester
Greater Manchester average property prices sit at roughly 50–60% of the London figure, supporting strong yield-driven investment and meaningful equity build-up over the past decade.
Secured loans in Manchester →
Newcastle
North East England
North East property values are among the UK's lowest, supporting high-yield BTL investment and steady — though modest — owner-occupier equity build-up.
Secured loans in Newcastle →
Nottingham
East Midlands
East Midlands property values sit close to the West Midlands range. Nottingham specifically benefits from a strong universities sector driving steady BTL demand and supporting residential price stability.
Secured loans in Nottingham →
Sheffield
South Yorkshire
Sheffield property values sit at the lower end of the UK market — favouring yield-driven investment and supporting moderate but steady equity build-up since 2015.
Secured loans in Sheffield →
Southampton
South East England
Southampton property values sit above the South West average but below London-adjacent markets. The mix of urban SO14-SO18 stock and high-value SO21-SO53 hinterland creates a broad case profile — clean credit prime cases dominate the higher-value end, while specialist lenders cover the moderate adverse and complex income segments.
Secured loans in Southampton →