The Best Secured Loan Broker – TOP 10

Need to borrow money and your credit report isn’t exactly glowing? Or maybe you’re just looking for lower monthly repayments to breathe easier? Secured loans, also called homeowner loans, can open up that door, especially if you’ve built up equity in your home.

Unlike unsecured personal loans, most secured loans allow you to borrow larger sums over longer repayment periods. That means more flexibility and potentially a more favourable interest rate, depending on your credit score and financial situation.

We’ve combed through the UK’s top secured loan brokers to bring you the ones actually worth your time – based on what they offer, who they serve, and how much they’ll really cost you. No fluff, just useful info.

1. KIS Finance

KIS Finance leads the pack for a reason. They don’t just offer secured loans but they make the process feel human again. Whether you’re dealing with outstanding debts, poor credit, or just trying to get a second charge mortgage to fund renovations, they know how to work with real-world situations.

Why it works:

• Loan amounts from £5,000 to £2.5 million
• Terms from 3 to 35 years, ideal for stretching out larger commitments
• No upfront fees – broker fees capped at £2,950, added to the loan itself
• Access to multiple lenders, including those who welcome poor credit files
• Available 7 days a week, 8am–10pm

The Secured loan calculator from KIS Finance shows you how your monthly payments might look, based on the loan amount and term. You don’t need to hand over your contact details, either, which feels refreshingly un-pushy.

Whether you’re consolidating existing borrowing or financing major home improvements, KIS Finance makes a strong case for being the best secured loan broker for both first-timers and experienced borrowers alike.

2. Loan.co.uk

Loan.co.uk is known for giving you fast decisions and solid secured loan rates. If you’re juggling other debts or just want better control over your finances, they’ve built a digital-first system that’s smart without being overwhelming.

What stands out:

• A digital application platform that’s genuinely intuitive
• Free property valuations and legal services to save upfront costs
• Clear visibility of broker fees before you commit
• Offers tailored to people with bad credit score or lower income

Loan.co.uk also has a pretty decent track record of helping people consolidate debt without trapping them in excessive early repayment fees. If you’re trying to smooth out high-interest unsecured credit and get a lower monthly payment, they’re worth a look.

3. Norton Finance

Norton’s been around the block for over 40 years, which tells you something – they’ve seen it all, from booming equity markets to clients rebuilding after financial setbacks.

They offer a huge range of options across secured and unsecured loans, which is great if you’re not sure what’ll work best with your credit history or existing mortgage.

What makes them reliable:

• Loans from £3,000 up to £500,000
• Long repayment periods (up to 25 years)
• Flexible lending for those with poor credit history
• Personal help from real people, not just bots or email chains

They work closely with multiple lenders, which gives them room to be creative with complex cases. Whether you’ve got a lower credit score or missed payments in your file, they often find solutions where others can’t.

4. Fluent Money

Fluent Money’s setup is strong if you want something personal without the salesy tone. They don’t just send you a list of loan options – they walk you through it with real conversations.

Their mortgage brokers will talk through how much equity you have, your income, and your goals – whether it’s consolidating debt or financing something big.

What you’ll like:

• Fast turnaround times on secured homeowner loans
• Offers from specialist lenders who don’t rely only on credit score
• Support even if your credit rating has taken a hit
• Clear info on early repayment charges and total cost over the entire loan term

Their clients often use secured loans for things like home improvements or bringing together other debts under one lower monthly repayment. And yes, they’ll also break down whether a secured or unsecured loan fits your plans better.

5. Together Money

Together Money is more flexible than most. They’re known for saying yes when others say no – especially if your credit file is messy or your income isn’t standard (think freelancers, self-employed, landlords).

You’re not just another application form to them. If your credit score isn’t ideal or you’ve had missed payments, they’ll still assess your case with a more common-sense mindset.

Why people go to them:

• Focus on real-life lending instead of rigid criteria
• Options for personal loans, secured homeowner loans, and even bridging loans
• Experience with clients dealing with outstanding debts or debt consolidation
• Fast, tailored quotes based on your property value, not just your credit report

Their interest rates can vary quite a bit depending on the scenario, but if other banks have turned you down, they’re a smart second stop.

6. Loans Warehouse

Loans Warehouse has earned their place with straightforward lending and a strong track record. If you’re a homeowner looking to consolidate debt, their team helps you find the best secured loan based on your equity, not just your credit report.

What you can expect:

• Secured loans from £5,000 to over £500,000
• They work with multiple lenders to get the best secured loan rates
• Options for people with a bad credit score or financial hiccups
• No upfront fees

They also do a solid job of laying out repayment terms and explaining the difference between secured and unsecured loans in simple terms. Their focus on second charge mortgage options and personal loan alternatives makes them a good fit for borrowers who want clarity and flexibility.

7. Selina Finance

Selina is one of the newer names on this list but definitely worth your attention. Their secured homeowner loan product stands out because it works more like a flexible credit line than a traditional loan.

What makes them different:

• Draw down what you need, when you need it
• Interest-only options for part of the loan term
• Suitable for people consolidating existing borrowing or financing home improvements
• Early repayment charges are minimal or non-existent in most cases

Selina Finance is designed for those who want control over how and when they use the money. It’s ideal if you want to borrow in stages (like funding renovations in phases) while keeping your monthly repayments under control.

8. Central Trust

Central Trust is a specialist in helping borrowers with complex profiles. They work well with people who have poor credit or a thin credit history and still want to get a secured loan at a decent rate.

Where they shine:

• Broad range of secured and unsecured loan products
• Supportive of customers with a lower credit score or multiple debts
• Flexible with repayment periods and second charge mortgage scenarios
• They also offer unsecured personal loans if you’re not ready to put your property on the line

They’re upfront about broker fees and make a genuine effort to tailor the product to your financial situation. If you’ve been turned down elsewhere, this is one to check out.

9. Pure Property Finance

Pure Property Finance has a background in commercial finance, but they also serve individuals well, particularly those looking at debt consolidation or securing funding for big personal expenses. Their team includes experienced mortgage brokers who know how to package a deal so that specialist lenders take notice.

Reasons to consider them:

• Strong relationships with secured loan lenders across the UK
• Very responsive when you’re working with tight deadlines
• Clear communication around arrangement fees and early repayment options
• Can handle both straightforward and complex applications

They’re a particularly good fit if your current mortgage lender won’t help and you need an outside broker who understands how to position your application.

10. Ocean Finance

Rounding out the top 10 is Ocean Finance, a name many recognize from UK TV ads, but their secured loan service is more than just marketing. They focus on helping people understand how much equity they have, how that affects the loan amount they can borrow, and how monthly repayments would change under different terms.

What you get with Ocean:

• Free eligibility checks that don’t hurt your credit score
• Loans tailored for those with poor credit or outstanding debts
• Offers both secured and unsecured personal loans
• Good breakdown of the total cost over the entire loan term

Ocean Finance also has a lot of online tools to play with, helping you see how different credit ratings and financial scenarios affect the deals you’ll qualify for. They keep the process relatively low-pressure, which is always a plus when you’re dealing with something tied to your home.

Why Your Broker Choice Matters

Choosing the best secured loan broker isn’t just ticking a box as it directly affects your loan amount, the monthly repayments you’ll live with for years, and how painless or painful the whole process feels. A good broker understands your personal circumstances, whether you’re juggling other debts, recovering from missed payments, or simply trying to tap into the equity you’ve built up over time.

Look beyond the glossy websites and compare how each broker handles:

• Applications with poor credit or thin credit files
• Fee transparency and early repayment charges
• Access to multiple secured loan lenders (not just one or two)
• Communication and actual support from human advisors

The right broker won’t just help you borrow money but help you do it smartly. That means clear repayment terms, realistic expectations, and a loan you’re not going to regret halfway through the term.

Move Forward with Confidence

If you’re a homeowner thinking about consolidating debt, funding a major life goal, or just simplifying your financial picture, a secured loan can be the right move – if it’s structured well. Every name on this list has been vetted for performance, flexibility, and credibility. You don’t need perfect credit, but you do need the right support.

Use tools like the calculator from KIS Finance to map out your numbers. Ask questions. Push for clarity. And most importantly, work with a loan broker who actually listens to what you need, not just what their commission structure prefers.

Because when it comes to borrowing against your home, the stakes are real. Make it count.