Live Rate Comparison
UK Secured Loan Rates
Compare the latest secured loan rates from our panel of 6 specialist UK lenders. Rates from 6.34%.
Best Rates by Lender
| Lender | Best Rate | APRC | Max LTV | Max Loan | Monthly* | |
|---|---|---|---|---|---|---|
 | 6.34% | 7.0% | 50% | £500,000 | £267 | Apply |
 | 6.99% | 7.9% | 85% | £500,000 | £278 | Apply |
 | 7.61% | 8.4% | 80% | £250,000 | £289 | Apply |
 | 8.55% | 9.4% | 80% | £500,000 | £304 | Apply |
 | 9.01% | 9.8% | 75% | £250,000 | £315 | Apply |
 | 12.90% | 12.9% | 95% | £50,000 | £378 | Apply |
* Indicative monthly payment based on a £30,000 loan over 15 years. Actual rates depend on individual circumstances.
All Available Products
Home Equity Loan 5yr Fixed
Selina Finance · 5yr Fixed · up to 50% LTV · clean credit
Home Equity Loan 5yr Fixed
Selina Finance · 5yr Fixed · up to 65% LTV · clean credit
Second Charge 5yr Fixed
Pepper Money · 5yr Fixed · up to 85% LTV · clean credit
Optimal Zero 5yr Fixed
Spring Finance · 5yr Fixed · up to 80% LTV · clean credit
Optimal Zero 2yr Fixed
Spring Finance · 2yr Fixed · up to 80% LTV · clean credit
Optimal 1 5yr Fixed
Spring Finance · 5yr Fixed · up to 80% LTV · minor credit
Second Charge 2yr Fixed
Norton Finance · 2yr Fixed · up to 80% LTV · minor credit
Optimal 1 2yr Fixed
Spring Finance · 2yr Fixed · up to 80% LTV · minor credit
Optimal 1 HLTV 5yr Fixed
Spring Finance · 5yr Fixed · up to 85% LTV · minor credit
Plan 1 2yr Fixed
Central Trust · 2yr Fixed · up to 75% LTV · clean credit
Home Equity Loan 2yr Fixed
Selina Finance · 2yr Fixed · up to 87% LTV · minor credit
Plan 1 5yr Fixed
Central Trust · 5yr Fixed · up to 75% LTV · clean credit
Plan 2 2yr Fixed
Central Trust · 2yr Fixed · up to 80% LTV · minor credit
Plan 5 2yr Fixed
Central Trust · 2yr Fixed · up to 90% LTV · clean credit
Plan 8 Variable
Evolution Money · Variable · up to 95% LTV · adverse credit
Understanding Secured Loan Rates
Secured loan rates in the UK currently range from around 6.34% to 12.90% depending on the lender, loan-to-value ratio, and your credit profile. These are initial rates — most products revert to a higher variable rate after the fixed period ends.
The APRC (Annual Percentage Rate of Charge) includes fees and the revert rate, giving you a more complete picture of the total cost. Always compare APRC alongside the initial rate when choosing a product.
Factors that affect your rate include: loan-to-value ratio (lower LTV = better rates), credit history (clean credit gets the best deals), loan amount, and term length.
As an FCA-authorised credit broker, Secured Loan Hub compares deals from our full lender panel to find the most competitive rate for your circumstances. Our service is free — we are paid by the lender only if a loan completes.
Get Your Personalised Rate
Rates shown are indicative. Apply for a free, no-obligation quote based on your circumstances.