Secured loans give homeowners the ability to unlock larger sums, often at lower rates compared to personal loans. Whether you’re consolidating debt, funding home improvements, or sorting personal finances, working with a smart broker helps you land a deal that actually fits your needs, not just your property value. Below, we highlight the top secured loan brokers in the UK offering real value, fast action, and solid options.
Here Are Top 10 Secured Loan Brokers in the Uk:
1. KIS Finance
KIS Finance consistently ranks among the best secured loan brokers in the UK for a simple reason – they get deals done without overcomplicating the process.
What makes them stand out:
- Loans available from £5,000 to £2.5 million
- Terms ranging from 3 to 35 years
- Up to 125% loan-to-value (LTV) in some cases
- No unnecessary broker fees (capped at £2,950)
- Friendly to borrowers with poor credit
KIS Finance handles both regulated secured loans and second charge mortgages with confidence. If you’re trying to get a secured loan to pay off other debts, fund a home renovation, or even consolidate an existing mortgage, they make it refreshingly simple. Their expertise covers both straightforward and complex financial circumstances.
2. Fluent Money
Fluent Money has earned a reputation for helping borrowers compare secured loans across an impressive panel of lenders. Their focus is on tailoring solutions around personal circumstances, not squeezing you into a one-size-fits-all offer.
Why Fluent works well:
- Access to dozens of secured loan brokers in the UK
- Flexible repayment periods ranging from 3 to 30 years
- Support for those with a poor credit score or limited credit history
- Quick pre-approval process without impacting your credit report
They’re particularly strong if you’re unsure whether a secured or unsecured loan suits you best. Fluent will give you a clear breakdown and let you see what works best for your budget and repayment comfort.
3. Norton Finance
Norton Finance has been around long enough to know that secured loans tend to be about flexibility first and foremost. They don’t shy away from borrowers with poor credit history, which sets them apart from more rigid lenders.
Key strengths:
- Loan amounts from £3,000 to £500,000
- Loan terms from 1 to 30 years
- Specializes in consolidating debt and home improvement loans
- Willingness to work with borrowers who have significant risk on their credit reports
Norton is a smart choice if you need to compare loans thoroughly and want support navigating early repayment fees, arrangement fees, and the finer points of repayment structures. They keep the process smooth, even when your financial background is a little complicated.
4. Ocean Finance
Ocean Finance makes secured loans easier to understand. They specialize in straightforward application processes with soft credit checks upfront, which means your credit score stays safe during the early stages.
Reasons to consider Ocean:
- Loans from £10,000 to £500,000
- Focus on clear secured loan rates and transparent terms
- Soft credit checks for initial eligibility
- Works equally well for those with good or poor credit
If you’re aiming for lower monthly repayments or looking to tackle existing debts with a secured loan early, Ocean gives you a clear window into your options before any hard commitments are made.
5. Freedom Finance
Freedom Finance brings together multiple lenders into one platform, helping borrowers compare secured and unsecured options efficiently. Their platform is clean, their communication is sharp, and their speed is impressive.
Where Freedom Finance excels:
- Works with over 40 UK lenders
- Offers secured loan brokers in the UK up to high LTV thresholds
- Supports applications for larger loans with longer repayment periods
- Soft search eligibility checks avoid damaging your credit report
They’re particularly helpful if you want to secure finance for home improvements, consolidating debt, or simply restructuring multiple loan obligations under one roof. When you’re dealing with significant sums, having visibility on secured loan fees and repayment periods matters, and Freedom keeps you in control.
6. Loans Warehouse
Loans Warehouse has positioned itself as a go-to broker for both secured loans and debt consolidation loan products. Their team understands how secured loan brokers in the UK work across different lenders, and they’re particularly good at handling cases where clients have mixed financial backgrounds.
Why Loans Warehouse deserves attention:
- Loan amounts from £5,000 to over £1 million
- Flexible repayment periods ranging from 3 to 30 years
- Specialist in homeowner loans and second charge mortgages
- Open to borrowers with poor credit or limited financial history
They’re a good call if you want to compare secured loans without juggling ten different applications. Their secured loan brokers in the UK team has a knack for lining up the right product fast, minimizing delays that can cost you money.
7. The Loans Engine
The Loans Engine handles secured lending with a clear focus on transparency and affordability. They help borrowers understand the difference between a secured and unsecured loan without the confusing financial jargon.
Strong suits:
- Expert at finding secured loans for debt consolidation and home improvements
- Covers both prime and subprime markets (good and bad credit cases)
- Helps manage loan to value ratios for larger loans
- Offers flexible options for monthly payments and early settlements
If you’re aiming to get a secured loan while balancing affordability with speed, The Loans Engine offers a setup that feels much less transactional and much more personal.
8. Evolution Money
Evolution Money focuses heavily on borrowers who might struggle to secure finance through traditional high street lenders. They specialize in tailoring secured loans around real-world financial circumstances, not cookie-cutter eligibility criteria.
What sets Evolution apart:
- Willing to work with poor credit and complex financial backgrounds
- Loans tailored for home improvements, consolidating debt, or personal goals
- Options available for those with an existing mortgage or second charge
- Practical support for managing arrangement fees and repayment periods
If you’re carrying other debts or dealing with a poor credit score, Evolution’s team doesn’t shy away from tough cases. They move quickly and focus on what you can do next, not where you’ve been.
9. Together Money
Together Money operates a little differently than most lenders on this list. They’re a lender and broker hybrid, meaning they offer both in-house products and access to wider market options through partnerships.
Key features:
- Access to secured loan brokers in the UK , second charge mortgages, and home loans
- Strong flexibility with loan term options from short to longer periods
- Excellent for larger loans against semi-commercial or unusual properties
- Skilled at working with clients who have an imperfect credit history
They’re especially good if you’re dealing with secured loans easier routes – meaning situations where you need flexibility because of a poor credit report, existing mortgage complications, or non-standard assets.
10. Shawbrook Bank (via Brokers)
Shawbrook isn’t a direct broker, but top brokers frequently source loans from them because their terms are flexible and their underwriting is refreshingly pragmatic.
Why brokers trust Shawbrook:
- Consistently competitive secured loan rates
- Generous loan amounts for those with enough equity
- Supports borrowers consolidating debt or funding major home projects
- Realistic about eligibility criteria for self-employed borrowers and investors
If your broker brings Shawbrook into the mix, you’re usually seeing one of the better mid-to-large secured loan lenders in the current UK market. Their focus on balancing interest rates, loan fees, and flexible early repayment structures makes them a trusted player for larger secured lending needs.
Choosing the Right Secured Loan Matters More Than You Think
Secured loans tend to offer bigger loan amounts, lower monthly repayments, and longer repayment periods compared to any standard personal loan. But the real advantage shows up when you pair the right loan with the right broker.
Most secured loans involve real assets like a property or a charge mortgage, sometimes both. That means the stakes are higher. Choosing a broker who understands your personal circumstances, credit history, and financial goals isn’t just helpful. It is vital. Good brokers help you compare secured loan terms, explain how secured loans work across different lenders, and advise whether you should clear a secured loan early or stretch repayments for cash flow.
Whether you are consolidating other debts, funding home improvements, or trying to clear a poor credit history, starting with clarity about the full loan term, arrangement fees, and valuation fees puts you in control. Brokers on this list offer that clarity from day one.
Move Smart: Get the Loan That Fits Your Next Step
Secured borrowing is not about throwing darts at loan offers. It is about matching risk with strategy. Before you apply for a secured product, you need to think about how much equity you can offer, what monthly payments you can handle, and whether your project would be better served by a secured or unsecured loan.
If you want lower monthly repayments over a longer period, most secured loans deliver that. If you want fast flexibility or smaller debt, unsecured personal loans might win out. There is no one-size-fits-all answer and frankly, that is why the best secured loan brokers in the UK exist. They do not just offer secured loans. They offer confidence you are borrowing smart.
When you choose to borrow money against a property, you are working with serious financial tools. Pick the right broker, work the numbers, and do not settle for anything less than a setup that makes your next move smoother, not harder.
