Best secured loan brokers in the UK in 2025

When seeking a secured loan, borrowers need a responsive broker who delivers good value, transparent terms, and a streamlined application process. That’s why we’ve crafted this ranking, to help you chose your broker from the best secured loan brokers in the UK. Keep in mind that each individual will have different needs and can rank those companies differently. Since these loans are considered a long term ones, it’s worth to use a future value calculator to track the change in the value of your payments.

1. KIS Finance

Independent finance brokers specializing in secured loans across the UK

KIS Finance offers the best secured loan options with a simplified application process and support from their experienced team of advisors. As independent brokers with access to all lenders, they can source the most suitable loan products tailored to individual requirements, hence KIS Finance is considered the best secured loan brokers in the UK. They also provide a secured loan calculator, which you can use to estimate your monthly repayment.

Secured Loans Key Features:

• Loans ranging from £5,000 to £2.5 million
• Flexible loan terms from 3 to 35 years
• High loan-to-value ratios – up to 100% LTV (up to 125% in some cases)
• Solutions available for borrowers with adverse credit history
• No broker fees
• Nationwide coverage across the UK

Their team is available 7 days a week with extended hours to ensure quick responses to queries and efficient processing of applications.

2. Blueberry

Fast and friendly mortgage brokers offering secured loans with personalized service

Blueberry stands out for their speed and personalized approach to financial services, including secured loans. With their founders bringing 115 years of combined experience in the financial sector, they offer a refreshing alternative to impersonal lending.

Secured Loans Key Features:

• Quick decision process – initial responses within 4 hours
• Typical completion times of 6-8 weeks (dependent on solicitors)
• Flexible meeting options – in your home, at their offices, or online
• Client-centered approach with personalized attention
• Access to the whole market of lending products

Their team emphasizes personal service with real advisors who understand individual circumstances and are willing to listen. They focus on the client’s objectives and priorities when sourcing the most appropriate secured loan options.

3. The Personal Finance Centre

Specialist finance broker based in Hull offering personalized secured loan solutions

The Personal Finance Centre is a dedicated finance broker that specializes in secured loans while maintaining a customer-first approach. Their experienced team of finance professionals works to find personalized financial solutions without high-pressure sales tactics.

Secured Loans Key Features:

• Low interest rates with affordable repayments
• Immediate decisions that won’t affect credit scores
• Options available for customers with both good and poor credit histories
• Extended availability – open from 8am to 9pm, 7 days a week
• Customer-focused service from experienced finance professionals

Their team prioritizes positive customer outcomes, working to provide the right financial solution at the right time while ensuring clients feel supported throughout the process.

4. Loan.co.uk

Award-winning broker offering competitive secured loans with significant cost savings

Loan.co.uk positions itself as a value leader in the UK loan market, with a commitment to putting customers first in all aspects of their service. Their approach to secured loans emphasizes affordability and personalized solutions.

Secured Loans Key Features:

• Costs reportedly up to 50% lower than most brokers
• Ability to finance up to 100% of property purchase price
• Income verification often not required
• Thousands of 5-star customer reviews
• Award-winning customer service team

Their friendly team guides clients through the entire secured loan process, ensuring they find the most suitable product for their specific situation and budget. The company emphasizes transparency and efficiency in their approach to lending.

5. Starloans

Established lender specializing in secured loans for UK homeowners since 1957

Starloans is both a direct lender and introducer to other financial companies, specializing in secured loans for UK homeowners. With over 65 years of experience, they’ve developed flexible loan products designed to accommodate modern financial situations including self-employment and variable income.

Secured Loans Key Features:

• Loans ranging from £3,000 to £1.5 million
• Available exclusively to UK homeowners aged 21+
• Expertise in second charge mortgages
• Flexible terms to accommodate various income types
• Commitment to competitive rates and value
• Focus on excellent customer service

Their business model as both a lender and introducer allows them to source optimal solutions in the secured loan market, with a guarantee that customers won’t pay more than necessary for their borrowing needs.

6. LoanPig

Direct lender and broker offering digital-first secured loan solutions

LoanPig operates as both a direct lender and broker with access to one of the UK’s largest panels of lenders. Their technology-driven approach enables them to efficiently match customers with appropriate secured loan options through a streamlined online application process.

Secured Loans Key Features:

• Fully online application process with no phone calls required
• All credit histories welcomed
• High acceptance rates
• Safe and secure digital platform
• Thorough affordability assessments
• Quick and effortless matching with suitable lenders

Their service is designed to simplify the loan application process, with a focus on finding appropriate secured loan options for customers regardless of their credit history, while ensuring proper affordability checks are completed.

7. MortgageForce WM

MortgageForce WM positions themselves as a truly independent advisor working exclusively in the client’s best interest. Their impartial approach allows them to source secured loan products from across the entire market without ties to specific lenders.

Secured Loans Key Features:

• 100% impartial advice focused on client needs
• Access to significantly more products than going direct to lenders
• Qualified advisors providing unbiased recommendations
• Ability to compare options across multiple lenders
• Range of rate types available (fixed rate, variable)

Their service emphasizes working solely for the borrower rather than any lender, ensuring clients receive recommendations based on their specific circumstances rather than being limited to a restricted range of products.

8. The Loans Engine

Established finance broker with four decades of experience finding solutions

The Loans Engine is a specialist finance broker based in Watford that serves customers throughout the UK. With nearly 40 years in the industry, they’ve built expertise in helping clients secure appropriate financing, including those who have faced difficulties obtaining credit elsewhere.

Secured Loans Key Features:

• Comprehensive market search across multiple lenders
• Focus on finding solutions tailored to customer needs
• Specializes in helping customers with previous credit challenges
• Nearly 40 years of industry experience
• UK-wide service from their Watford base

Their approach emphasizes finding the most suitable financial solution for each client rather than directing customers to preferred lenders, ensuring recommendations are aligned with the borrower’s specific requirements.