See what you'd actually pay — personalised rates from UK lenders based on your circumstances. No credit check. No obligation.
£4.2m+
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14 products match your criteria
Sorted by lowest monthly payment
Home Equity Loan 5yr Fixed · up to 65% LTV · £995 fee
6.39%
initial rate
7%
APRC
£339
est. /month
£40,676
total repay
Second Charge 5yr Fixed · up to 85% LTV · £995 fee
6.99%
initial rate
7.9%
APRC
£348
est. /month
£41,781
total repay
Optimal Zero 5yr Fixed · up to 80% LTV · £995 fee
7.61%
initial rate
8.4%
APRC
£358
est. /month
£42,940
total repay
Optimal Zero 2yr Fixed · up to 80% LTV · £995 fee
7.9%
initial rate
8.2%
APRC
£362
est. /month
£43,488
total repay
Optimal 1 5yr Fixed · up to 80% LTV · £995 fee
8.51%
initial rate
9.3%
APRC
£372
est. /month
£44,654
total repay
Second Charge 2yr Fixed · up to 80% LTV · £795 fee
8.55%
initial rate
9.4%
APRC
£373
est. /month
£44,731
total repay
Optimal 1 2yr Fixed · up to 80% LTV · £995 fee
8.83%
initial rate
9.1%
APRC
£377
est. /month
£45,273
total repay
Optimal 1 HLTV 5yr Fixed · up to 85% LTV · £995 fee
8.96%
initial rate
9.7%
APRC
£379
est. /month
£45,525
total repay
Plan 1 2yr Fixed · up to 75% LTV · £999 fee
9.01%
initial rate
9.8%
APRC
£380
est. /month
£45,623
total repay
Home Equity Loan 2yr Fixed · up to 87% LTV · £995 fee
9.09%
initial rate
9.5%
APRC
£381
est. /month
£45,779
total repay
Plan 1 5yr Fixed · up to 75% LTV · £999 fee
9.1%
initial rate
10%
APRC
£382
est. /month
£45,798
total repay
Plan 2 2yr Fixed · up to 80% LTV · £999 fee
9.17%
initial rate
10%
APRC
£383
est. /month
£45,935
total repay
Plan 5 2yr Fixed · up to 90% LTV · £999 fee
9.96%
initial rate
10.7%
APRC
£396
est. /month
£47,495
total repay
Plan 8 Variable · up to 95% LTV · no fee
12.9%
initial rate
12.9%
APRC
£446
est. /month
£53,540
total repay
Rates shown are representative and subject to status. Monthly payments are illustrative only based on the initial rate over the full term. Your actual rate will depend on your circumstances. APRC is variable.
A secured loan (also known as a homeowner loan or second charge mortgage) allows UK homeowners to borrow against the equity in their property — typically from £5,000 to £500,000 over 1 to 30 years. Because the loan is secured against your home, lenders can offer lower interest rates than unsecured personal loans. Use the comparison tool above to adjust your loan amount, term, and LTV to see live indicative rates from our panel of FCA-regulated lenders. Comparing rates here uses a soft credit search only, so your credit score is not affected.
Secured loan rates are the interest rates charged by lenders when you borrow money against your property. Unlike unsecured personal loans, a secured loan (also called a homeowner loan or second charge mortgage) uses the equity in your home as collateral — as defined by the FCA's guidance on second charge mortgages. This means lenders take on less risk, which is why secured loan rates are typically significantly lower than unsecured alternatives.
In March 2026, secured loan rates in the UK typically range from 5.9% to 14.9% APR depending on your credit profile, loan-to-value ratio, and the amount you wish to borrow. Homeowners with clean credit and lower LTV ratios will qualify for the best rates, while those with adverse credit histories can still access funding at higher rates.
| Profile | Typical rate | LTV range | Monthly cost* |
|---|---|---|---|
| Clean credit, low LTV | 5.9% – 7.5% | Up to 65% | £330 – £358 |
| Clean credit, standard LTV | 7.5% – 9.5% | 65% – 80% | £358 – £389 |
| Minor credit issues | 8.5% – 11% | Up to 80% | £373 – £414 |
| Adverse credit / CCJs | 10% – 14.9% | Up to 75% | £397 – £463 |
*Based on £30,000 over 10 years. Representative examples only — your rate will depend on individual circumstances.
Several factors determine the interest rate you will be offered:
Many homeowners assume remortgaging is always the better option, but this is not always the case. A secured loan (second charge mortgage) sits behind your existing mortgage and does not disturb it. This can be the better choice when:
The single most effective way to find the best rate is to compare multiple lenders — which is exactly what the comparison tool above does. Beyond that, you can improve your chances by reducing your LTV (paying down your mortgage or getting an updated property valuation), addressing credit issues before applying, and ensuring your income documentation is up to date. Using an FCA-authorised broker like Secured Loan Rates gives you access to specialist lenders that do not accept direct applications.
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Click apply, fill out one form that takes 60 seconds and we'll do the rest.
We can cater for customers with all types of credit history, from clean credit scores to heavy mortgage arrears and CCJs.
Depending on your individual circumstances, it may be possible to go from comparison to completion as quickly as 48 hours.
We can cater for all borrowers from chain breaks, auction purchase, downsizing, property investment, credit issues and complex transactions.
Enter your loan amount, LTV, and preferred term to filter lenders in real time.
See indicative rates, monthly payments, and total repayable side by side.
Click Apply on any lender and an adviser will call you to confirm your rate.
A secured loan (also called a homeowner loan or second charge mortgage) is a loan secured against your property. Because the lender has security, rates are typically lower than unsecured loans. Loan amounts range from £5,000 to £500,000. Your home may be repossessed if you do not keep up repayments.
Most UK lenders offer secured loans from £5,000 to £500,000 depending on your property equity, income, and credit profile. The maximum combined loan-to-value (LTV) is typically 85% of your property value, though some specialist lenders go up to 90% LTV.
No. Comparing rates on this tool only uses a soft search which is not visible to other lenders and does not affect your credit score. A hard credit search only happens if you formally apply with a lender.
Lenders typically offer their best rates at LTVs of 60–70%. Above 80% LTV you will find fewer lenders available and rates increase. The maximum most lenders will go to is 85% combined LTV including your existing mortgage.
Yes. Several lenders on this panel, including Pepper Money and Together, consider applicants with CCJs, defaults, or missed payments. Rates will be higher but funding is often still available depending on your equity and the age of the credit issues.
A secured loan (second charge mortgage) sits behind your existing mortgage and does not disturb it. Remortgaging replaces your entire first charge mortgage. A secured loan is often better when you have a favourable existing mortgage rate, early repayment charges, or need funds quickly.
Fees vary by lender. Some charge an arrangement fee (typically £495–£1,995), while others offer fee-free products. Legal and valuation fees may also apply. The APRC includes all compulsory fees so it is the best figure for comparing the true cost of different products.
Most secured loans complete within 2–4 weeks from application to payout. Some lenders offer faster completions from 10 days for straightforward cases. Complex cases or those requiring a full surveyor valuation may take slightly longer.
Adjust the sliders above to find your best match, then click Apply to speak with an adviser.
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