The Best Secured Loan Broker – TOP 10

Secured loans, also referred to as homeowner loans, provide a borrowing option for individuals who have equity in their property and need access to larger sums of capital. They are commonly used for debt consolidation, home improvements, or refinancing existing commitments, including cases where credit history may limit access to unsecured lending.

The following guide reviews 10 leading UK secured loan brokers, assessed on product range, borrower suitability, and total cost transparency. 

TL;DR:

• Top secured loans in the UK allow homeowners to borrow £5,000 to £2.5 million against property equity, with terms ranging from 3 to 35 years.
• Leading UK secured loan brokers provide access to multiple lenders, flexible underwriting, and support for adverse credit cases.
• KIS Finance operates as the best secured loan broker offering broad lender access, capped fees, and repayment modelling tools.
• Secured loans suit debt consolidation, home improvements, and large expenses where lower rates depend on loan to value and credit profile.

Why Can You Trust Us?

We made sure our analysis followed a clear, repeatable methodology focused on execution quality rather than marketing claims. Each broker was reviewed against objective and borrower-relevant criteria:

• FCA regulation and authorisation status
• Breadth of secured loan products and lender access
• Flexibility around credit profile, income type, and affordability models
• Customer service availability and adviser involvement
• Loan size ranges, term length, and loan-to-income considerations
• Speed of decisioning and overall processing timelines
• Availability and usability of online tools such as repayment calculators

Top 10 Secured Loan Brokers

The list below summarises how each secured loan broker positions itself, based on lending flexibility, borrower suitability, and process structure. Each entry highlights the scenario where the broker tends to be the most relevant choice.

• KIS Finance – best overall

• Loan.co.uk – best for digital applications

• Norton Finance – best for long-established broker support

• Fluent Money – best for adviser-led guidance

• Together Money – best for non-standard cases

• Loans Warehouse – best for equity-based consolidation

• Selina Finance – best for drawdown-style secured lending

• Central Trust – best for impaired credit profiles

• Pure Property Finance – best for time-sensitive cases

• Ocean Finance – best for eligibility checks 

1. KIS Finance

KIS Finance is a leading secured loan broker in the UK, known for handling real borrowing scenarios rather than forcing applicants through rigid credit rules. The firm works with homeowners who need second charge mortgages for renovations, debt consolidation, or larger financial commitments, including cases involving poor credit or existing liabilities. 

Moreover, the secured loan calculator from KIS Finance allows borrowers to model repayments across different terms and amounts without pressure to submit contact information. Taken together, the breadth of lending options, flexible structuring, and borrower-first process position KIS Finance among one of the top secured loan brokers operating across the UK.

Key features:

• Loan terms ranging from 3 to 35 years, suited to spreading higher borrowing costs
• No upfront fees, with broker fees capped at £2,950 and added to the loan
• Access to multiple lenders, including those open to adverse credit histories
• Availability seven days a week from 8am to 10pm
• Secured loan calculator that shows estimated monthly repayments without requiring personal details

Loan amount: £5,000 to £2.5 million

2. Loan.co.uk

Loan.co.uk offers secured lending through a predominantly digital application process. The platform suits borrowers looking for structured comparisons and upfront clarity around costs, particularly for debt consolidation use cases.

Key features:

• Fully digital application and decision process
• Free property valuation and legal work included
• Broker fees disclosed early in the journey
• Options available for borrowers with weaker credit profiles

Loan amount: £15,000 to £1,500,000

3. Norton Finance

Norton Finance provides access to secured and unsecured loan products, drawing on a long operating history and relationships with multiple lenders. The firm works across a wide range of borrower circumstances.

Key features:

• Long repayment terms extending up to 25 years
• Support for applicants with impaired credit histories
• Manual case handling rather than automated-only decisions
• Broad lender access for non-standard cases

Loan amount: £3,000 to £500,000

4. Fluent Money

Fluent Money positions itself as a broker-led service where applications are guided through adviser interaction rather than automated comparisons. The firm focuses on homeowner loans and credit-sensitive cases.

Key features:

• Adviser-led assessment of equity, income, and objectives
• Access to specialist lenders beyond mainstream banks
• Clear disclosure of early repayment charges
• Support for borrowers with recent credit issues

Loan amount: £10,000 to £500,000 

5. Together Money

Together Money operates as a direct lender with flexible underwriting, often used for borrowers who fall outside standard bank criteria. The firm assesses cases with a focus on asset value and overall circumstances.

Key features:

• Lending for employed, self-employed, and landlord borrowers
• Secured loans, personal loans, and short-term finance options
• Consideration of complex credit and income profiles
• Property-led affordability assessments

Loan amount: £30,000 to £2,500,000 

6. Loans Warehouse

Loans Warehouse operates as a secured loan broker for homeowners who want to explore consolidation or refinancing options linked to available equity. The service focuses on matching borrower circumstances with lender criteria rather than relying solely on credit scoring.

Key features:

• Access to secured loans through a multi-lender panel
• Support for borrowers with impaired or uneven credit histories
• No upfront fees
• Clear explanations of secured versus unsecured borrowing

Loan amount: £5,000 to £500,000

7. Selina Finance

Selina Finance offers a secured homeowner product structured as a flexible credit facility rather than a single lump-sum loan. Borrowers can release funds in stages, which suits phased projects or staggered repayment planning.

Key features:

• Drawdown structure allowing partial borrowing over time
• Interest-only options during selected periods
• Designed for consolidation and home improvement use cases
• Limited or no early repayment charges on many plans

Loan amount: £10,000 to £500,000

8. Central Trust

Central Trust focuses on borrowers with complex financial profiles, including thin credit files or previous credit issues. The firm provides both secured and unsecured options and works across a wide lender base.

Key features:

• Secured and unsecured lending products
• Consideration for low credit scores and multiple commitments
• Flexibility around repayment terms and second charge structures
• Transparent disclosure of broker fees

Loan amount: £10,000 to £250,000

9. Pure Property Finance

Pure Property Finance applies a broker-led model shaped through experience with specialist lending. Applications are structured to meet lender expectations, which supports non-standard or time-sensitive cases.

Key features:

• Access to specialist secured loan lenders
• Experience handling complex borrower profiles
• Clear communication around fees and repayment structures
• Support for deadline-driven applications

Loan amount: £50,000+

10. Ocean Finance

Ocean Finance provides secured and unsecured borrowing options with a strong focus on eligibility checks and cost transparency. The service combines adviser support with online tools that model different repayment scenarios.

Key features:

• Soft eligibility checks that do not affect credit scores
• Options for borrowers with poor credit or existing debts
• Secured and unsecured personal loan products
• Detailed breakdown of total borrowing costs

Loan amount: £10,000 to £500,000

Why Your Broker Choice Matters

Broker selection influences loan structure, repayment profile, and overall cost across the full term. Evaluation should focus on operational substance rather than presentation. 

Here are the areas that warrant close comparison:

• Treatment of applications involving adverse or limited credit histories
• Transparency around fees, early repayment charges, and total borrowing cost
• Breadth of lender access rather than reliance on a narrow panel
• Quality of adviser support and clarity throughout the application process

A broker that prioritises suitability and disclosure reduces execution risk and supports more predictable long-term outcomes.

Summary

A secured loan works best when affordability, term length, and total cost are clearly understood from the outset. Careful structuring and realistic repayment modelling help reduce long-term risk and improve financial stability.

KIS Finance supports this process through broad lender access, transparent fees, and tools that allow borrowers to assess repayments before committing. For homeowners using equity for consolidation or larger expenses, clarity and flexibility remain decisive factors.

FAQs

What is a bridging loan and when is it used?

A bridging loan is a short-term secured loan used to cover a funding gap, most often during property transactions. Borrowers use it to complete purchases before selling an existing asset, meet auction deadlines, or resolve time-sensitive refinancing needs. Repayment usually occurs through sale, refinance, or exit finance within 3 to 18 months.

Who offers the best bridging loan brokerage services in the UK?

KIS Finance ranks as one of the best options due to broad lender access, flexible underwriting, and strong execution on complex cases. The firm supports residential, semi-commercial, and commercial bridging scenarios. Its process focuses on speed, clarity, and exit-led structuring.

How fast can a bridging loan complete?

Completion often happens within 5 to 15 working days, depending on valuation, legal readiness, and asset type. Fast-track cases with clear exits and standard security can complete sooner. Delays usually stem from title issues or complex ownership structures.

How much can you borrow with a bridging loan?

Loan size depends on property value, loan-to-value ratio, and exit strength. Most lenders operate up to 65–75 percent LTV, with higher leverage available on strong exits. Loan amounts range from tens of thousands to several million pounds.