Greater London
Secured Loans in London
London is the UK's largest secured loan market by volume. High average property values across the capital create substantial home equity, which homeowners increasingly use to fund renovations, consolidate debt, settle divorces, or raise capital — without disturbing existing fixed-rate mortgages.
Our panel of six FCA-authorised UK secured loan lenders covers London cases from £10,000 against an outer-borough flat to £500,000 against a prime central townhouse. Rates start at 5.9% APR for low-LTV clean-credit borrowers and run to 14.9% for adverse credit at higher LTVs.
London property market
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.
Postcode coverage
Outward codes we routinely advise across London and Greater London.
Common London secured loan cases
Major home extensions
Side-return and wraparound extensions on Zone 2–4 Victorian and Edwardian terraces typically cost £80–200k. Secured loans preserve the original mortgage rate while funding the works.
Debt consolidation in higher-cost households
London households often carry larger unsecured balances; consolidating £40–80k of credit cards and personal loans into a single secured loan can free £600–1,200 a month of cash flow.
Divorce settlements
High average property values mean buy-outs of an ex-partner's share are routinely £150–500k. Secured loans complete in 2–4 weeks vs 6–12 weeks for remortgages — meeting court deadlines.
Buy-to-let deposit funding
London landlords use secured loans against their residential property to raise deposit capital for BTL purchases in lower-cost regional markets.
Apply for a London secured loan
FCA-authorised broker. Six specialist UK lenders compared. Rates from 5.9% APR, completion in 2-4 weeks.