Secured Loans
from 6.34%
Compare homeowner loan rates instantly. No credit check, no obligation. Borrow £3,000 to £500,000 against your property.
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Ref: 624668
30+ Years
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Compare Secured Loan Rates
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Search Criteria
Used to calculate your LTV
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Loan purpose
Credit profile
Loan
£50,000
Term
10 yrs
| Lender | Product | Rate | Monthly | Period | Reverts to | APRC | Fee | Total |
|---|---|---|---|---|---|---|---|---|
| Home Equity Loan 5yr Fixed | 6.34% | £575/mo | 5yr Fixed | 7.09% | 7.0% | £995 | £69,611 |
| Home Equity Loan 5yr Fixed | 6.39% | £576/mo | 5yr Fixed | 7.09% | 7.0% | £995 | £69,725 |
| Second Charge 5yr Fixed | 6.99% | £592/mo | 5yr Fixed | 7.59% | 7.9% | £995 | £71,530 |
| Optimal Zero 5yr Fixed | 7.61% | £608/mo | 5yr Fixed | 8.20% | 8.4% | £995 | £73,502 |
| Optimal Zero 2yr Fixed | 7.90% | £616/mo | 2yr Fixed | 8.20% | 8.2% | £995 | £74,563 |
 | Second Charge 2yr Fixed | 8.55% | £631/mo | 2yr Fixed | 9.35% | 9.4% | £795 | £77,480 |
| Optimal 1 5yr Fixed | 8.51% | £633/mo | 5yr Fixed | 9.22% | 9.3% | £995 | £76,541 |
| Optimal 1 2yr Fixed | 8.83% | £641/mo | 2yr Fixed | 9.22% | 9.1% | £995 | £77,812 |
| Optimal 1 HLTV 5yr Fixed | 8.96% | £645/mo | 5yr Fixed | 9.70% | 9.7% | £995 | £78,059 |
 | Plan 1 2yr Fixed | 9.01% | £646/mo | 2yr Fixed | 10.11% | 9.8% | £999 | £80,000 |
| Home Equity Loan 2yr Fixed | 9.09% | £648/mo | 2yr Fixed | 9.59% | 9.5% | £995 | £78,923 |
| Plan 1 5yr Fixed | 9.10% | £649/mo | 5yr Fixed | 10.11% | 10.0% | £999 | £78,780 |
| Plan 2 2yr Fixed | 9.17% | £651/mo | 2yr Fixed | 10.26% | 10.0% | £999 | £80,519 |
| Plan 5 2yr Fixed | 9.96% | £673/mo | 2yr Fixed | 11.02% | 10.7% | £999 | £83,153 |
 | Plan 8 Variable | 12.90% | £744/mo | Variable | — | 12.9% | None | £89,233 |
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Our FCA-authorised advisers confirm your rate following a soft credit check. No obligation.
Apply — no credit check yet →Illustrative products from our panel. Rates correct as at March 2026 and subject to change. Total based on selected term with product fee added to loan. Your actual rate is confirmed following full underwriting. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Simple Process
How Secured Loans Work
Get instant quotes
Use our calculator to compare rates from leading UK lenders. No personal details needed, no credit check at this stage.
Speak to an adviser
Our FCA-authorised advisers review your situation and recommend the best product. We search the whole market on your behalf.
Receive your funds
Once approved, funds are typically released within 2–4 weeks. Your existing mortgage stays untouched.
What Is a Secured Loan?
A secured loan — also called a homeowner loan or second charge mortgage — lets you borrow against the equity in your property without touching your existing mortgage deal. Because the loan is secured on your home, lenders offer lower interest rates and higher borrowing limits than unsecured personal loans.
Homeowner loans are commonly used for home improvements, debt consolidation, large purchases, or business funding. You can typically borrow from £3,000 to £500,000 with repayment terms of 5 to 25 years. The loan sits behind your first mortgage as a second charge, so your existing deal remains unaffected.
As an FCA-authorised credit broker, Secured Loan Hub compares deals from our panel of specialist lenders to find the right option for your circumstances. Our service is completely free — we are paid a commission by the lender only if a loan completes.
Borrow £3k–£500k
From small home improvements to large debt consolidation — our panel covers the full range.
No hard credit check
Get your personalised quote without affecting your credit score.
Keep your mortgage
A secured loan sits behind your first charge. Your existing mortgage rate stays the same.
FAQ
Secured Loan Questions
What is a secured loan?
A secured loan lets you borrow money using your property as security. It's also known as a homeowner loan or second charge mortgage. Because the lender has security against your home, rates are typically lower than unsecured loans and you can borrow larger amounts over longer terms.
How much can I borrow with a homeowner loan?
Most lenders offer homeowner loans from £3,000 to £500,000, depending on your property equity, income, and credit profile. The maximum combined loan-to-value (your mortgage plus the new loan) is typically 85–90% of your property value, though some specialist lenders go up to 100%.
Will a secured loan affect my mortgage?
No. A secured loan sits behind your existing mortgage as a separate 'second charge'. Your current mortgage rate, term, and payments remain completely unchanged. This is one of the main advantages over remortgaging.
What can I use a secured loan for?
Secured loans can be used for almost any legal purpose: home improvements, debt consolidation, buying a vehicle, funding a business, school fees, tax bills, or a large purchase. Debt consolidation is the most popular use — combining multiple debts into one lower monthly payment.
Can I get a secured loan with bad credit?
Yes. Our lender panel includes specialists who consider applicants with CCJs, defaults, missed payments, and other adverse credit. Your rate will depend on the severity and age of the credit issues, but options are available for most situations.
Is there a fee for your service?
No. Secured Loan Hub is completely free to use. We are paid a commission by the lender only if a loan successfully completes. All fees (including any lender arrangement fees) are disclosed upfront before you commit.
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