100% Recommend

Simon Nicholson

Expertly compared by Simon Nicholson

Products Updated October 1, 2021

Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on a loan or any other debt secured on it.

13 providers expertly compared:

Learn More Available via broker only

Paragon Bank

Loan Amount
£20,000 - £500,000

Initial Rate
3.6%

Loan Term
5 - 25 years

Loan Type
Residential
& Buy to let

Status
Homeowners Only
Max LTV 85%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

3.6%

Total repaid will be:

£50,805

Second charge mortgages for homeowners in England, Wales and Mainland Scotland. We work hard to make sure we have a wide range of loans to meet our customers' needs. Get a quote today for a personal illustration from our award winning broker.

13 providers expertly compared:

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Masthaven Bank

Loan Amount
£10,000 - £500,000

Initial Rate
4.19%

Loan Term
5 - 35 years

Loan Type
Residential
& Buy to let

Status
Homeowners Only
Max LTV 75%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

4.19%

Total repaid will be:

£50,805

We were the first new bank to be awarded a banking licence in 2016. However, we’ve been providing a flexible and personalised approach to secured lending since 2004. Get a quote today for a personal illustration from our award winning broker.

13 providers expertly compared:

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United Trust Bank

Loan Amount
£10,000 - £125,000

Initial Rate
4.45%

Loan Term
3 - 30 years

Loan Type
Residential
& Buy to let

Status
Homeowners Only
Max LTV 85%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

4.45%

Total repaid will be:

£50,805

United Trust Bank’s highly skilled and experienced specialised mortgage team offers innovative lending products through a panel of approved introducers. Get a quote today for a personal illustration from our award winning broker.

13 providers expertly compared:

Learn More Available via broker only

Shawbrook Bank

Loan Amount
£10,000 - £500,000

Initial Rate
4.2%

Loan Term
3 - 25 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 90%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

4.2%

Total repaid will be:

£50,805

If you’re paying out for a number of different loans or credit cards, a debt consolidation loan from Shawbrook Bank could save you money every month in interest. Get a quote today for a personal illustration from our award winning broker.

13 providers expertly compared:

Learn More Available via broker only

Prestige Finance

Loan Amount
£10,000 - £2,500,000

Initial Rate
5.9 - 11.1%

Loan Term
3 - 25 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 90%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

5.9 - 11.1%

Total repaid will be:

£50,805

Prestige Finance has been providing loans for over 30 years to UK residents and is a specialist in providing second charge loans. Prestige Finance is a wholly owned subsidiary of OneSavings Bank Plc. Get a quote today for a personal illustration from our award winning broker.

Representative Example

13 providers expertly compared:

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Step One Finance

Loan Amount
£5,000 - £500,000

Initial Rate
6.9%

Loan Term
5 - 30 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 95%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

6.9%

Total repaid will be:

£50,805

Our homeowner loan products are available to qualifying homeowners and owners of Buy-to-Let properties in England, Scotland and Wales with loan amounts available up to £150,000. Get a quote today for a personal illustration from our award winning broker.

13 providers expertly compared:

Learn More Available via broker only

Together Money

Loan Amount
£3,000 - £1,000,000

Initial Rate
6.65%

Loan Term
3 - 30 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 77.5%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

6.65%

Total repaid will be:

£50,805

If you need to raise funds, for example, to make home improvements or get on top of your debts, and you have existing equity in your home, a secured loan could be the right option. Get a quote today for a personal illustration from our award winning broker.

13 providers expertly compared:

Learn More Available via broker only

Central Trust

Loan Amount
£3,000 - £250,000

Initial Rate
8.5%

Loan Term
3 - 30 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 75%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

8.5%

Total repaid will be:

£50,805

We’re an independently owned specialist secured loan lender in the UK and are part of the Norfolk Capital Group of companies that have been providing secured loans since 1988. Get a quote today for a personal illustration from our award winning broker.

13 providers expertly compared:

Learn More Available via broker only

Spring Finance

Loan Amount
£10,000 - £150,000

Initial Rate
Enquire%

Loan Term
3 - 35 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 60%

Rated 4/ 5

Poor Credit

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

Enquire%

Total repaid will be:

£50,805

We are a specialist provider of residential Second Charge mortgages lending to customers who are unable to obtain finance from traditional high street lenders. Get a quote today for a personal illustration from our award winning broker.

13 providers expertly compared:

Learn More Available via broker only

Optimum Credit

Loan Amount
£5,000 - £500,000

Initial Rate
4%

Loan Term
3 - 25 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 85%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

4%

Total repaid will be:

£50,805

We offer a straightforward, customer friendly approach, both during your application process and after completion of your second charge mortgage. Get a quote today for a personal illustration from our award winning broker.

13 providers expertly compared:

Learn More Available via broker only

Oplo

Loan Amount
£5,000 - £50,000

Initial Rate
8.0%

Loan Term
3 - 25 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 70%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

8.0%

Total repaid will be:

£50,805

Here at Oplo we offer secured loans from £1,500 to £50,000 (subject to your personal circumstances) to new and existing customers. Get a quote today for a personal illustration from our award winning broker.

Representative Example

13 providers expertly compared:

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West One Secured Loans

Loan Amount
£10,000 - £500,000

Initial Rate
3.99%

Loan Term
3 - 25 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 85%

Rated 5.0/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

3.99%

Total repaid will be:

£50,805

West One offers an extensive range of second charge mortgage solutions that can be secured on buy-to-let properties, including unregulated buy-to-lets as well as regulated consumer buy-to-lets. Get a quote today for a personal illustration from our award winning broker.

Check My Eligibility
Application Criteria?

Application criteria for this product is:

  • Homeowners Only:

13 providers expertly compared:

Learn More Available via broker only

Norton Finance

Loan Amount
£3,000 - £70,000

Initial Rate
9.1 - 12.3%

Loan Term
1 - 20 years

Loan Type
Residential
& Buy to Let

Status
Homeowners Only
Max LTV 75%

Rated 5/ 5

All credit types

Your monthly payment will be:

£169.35

Interest on this loan will be:

£18,805

Initial Rate:

9.1 - 12.3%

Total repaid will be:

£50,805

Borrow from £3,000 to £500,000 over 1 to 25 years. We’ll find the most affordable rates to suit you and give you a no-obligation quote that won’t show up on your credit report. Get a quote today for a personal illustration from our award winning broker.

Representative Example

Read our customer and visitor reviews for this product:

Rating: 4.6 / 5 with 31 votes

Good for secured loans

by Abdul R

Good service for secured loans with a full brokerage service. Good panel of lenders to suit most customers.

Found the right mortgage I was looking for

by Mrs Dale

Had a very positive experience using the mortgage pages. Thankyou.

Find The Best Loans for £30,00 to £45,000 With Lending Expert

Need to borrow £30,000 to £45,000? Lending Expert can help you find the loans best suited to your needs and personal requirements. Compare the top UK lenders with borrowing terms ranging from 1 to 30 years. 

We compare rates across the whole market for financial products including personal loans, unsecured loans and secured loans – helping you to find the best option for your circumstances and credit background.

Use our table to compare different rates and terms and click on ‘check my eligibility’ of the lender of your choice. The average loan application takes less than 5 minutes to complete and you will usually be given a provisional decision on the screen. Subject to some further checks, some loans can be approved and funded in a matter of hours or days (unsecured loans), with some loans usually completed within 1 to 2 weeks (secured loans).

 

Key Features

  • Borrow £30,000 to £40,000
  • Rates from 2.8% APRC
  • Secured and unsecured lending options
  • Repaid long term over 1 to 30 months
  • Equal monthly repayments
  • Working with direct lenders 
  • Repaid on your pay date
  • Early repayment available

 

What Can a £30,000 Loan Be Used For?

Our lenders can offers loans for any purpose including:

  • Debt consolidation
  • Funerals
  • Gifting to loved ones
  • Making home improvements
  • Purchasing a new car or vehicle
  • Business or self-employment funding
  • Large expenses, purchases and unexpected costs
  • School fees
  • Tax bills
  • Weddings (also see Wedding Loans)

 

What Types of Loans for £30,000 and £45,000 Are Available?

£30,000 loans are broken down into either unsecured loans, where you do not require collateral or security, or secured loans where you do.

When unsecured, you are applying based on your income and credit score – so these will both need to be good or fair to maximise your chances of approval.

Secured loans are a little different. You are using your property or home as security and leveraging its value to borrow money. The more you own of the property, the more you can typically borrow. This can be an effective way to borrow large sums of money – and can also appeal to those with bad credit histories.

If you are borrowing against your home, it is important to note that this could be repossessed by the lender if you are unable to keep up with repayments.

 

Am I Eligible to Borrow £30,000 to £45,000 With Lending Expert?

The eligibility criteria to borrow £30,000 to £45,000 with one of our lenders can include:

  • UK residents only
  • Must be over 18 years old
  • Must hold a valid UK bank account
  • Must be able to show that they can afford repayments
  • Must be in employment with a stable, regular income

 

For loans of £30,000 to £45,000, some of our lenders also require applicants to be homeowners. The exact eligibility criteria for a £30,000 to £45,000 loan will however, as with all loans, depend on the lender and the loan type.

Once you’ve found a loan you’re interested in from our table of lenders listed above, simply click the “Check My Eligibility” button, fill in our online form and receive a no-obligation quote.   

 

How Do Repayments Work For a £30,000 to £45,000 Loan?

For those looking to borrow £30,000 to £45,000 with one of our lenders, you will typically make repayments in equal monthly instalments.

Borrowers can choose their repayment date each month – with most people tending to opt for their pay date or the last working day of the month.

You can borrow over a period of 1 to 30 years – with the precise length of the loan depending on the individual loan application.

It’s important to note that should you have secured a valuable asset on the loan, and cannot keep up with repayments, this valuable asset – e.g. your property – may be repossessed by the lender to recover their costs. You should only ever take out a loan when you are confident that you can keep up with repayments, as failure to do so (in particular, with a secured loan) can lead to you losing your home. 

 

Can I Borrow £30,000 to £45,000 With Bad Credit?

Yes, you can be considered for a loan with bad credit. We work with lenders that are willing to consider all sorts of credit histories, relying on other factors of your application to determine whether you are eligible for a loan.

Therefore, for those with a poor credit history, you may still be eligible to borrow a £30,000 to £45,000 loan with one of our lenders – proving you’re a good applicant to lend to through your regular employment, your stable income, or potentially being able to secure the loan with a valuable asset.

 

Apply to Borrow £30,000 to £45,000 With Lending Expert

You can start your journey to borrow £30,000 to £45,000 with Lending Expert today. 

Simply use our price comparison table above to select the lender of your choice. Click the “Check My Eligibility” button and you will be taken to our application form where you can enter your details in less than 5 minutes.

Our broker team will process your application and suggest the loan product that is most suitable to you and your requirements.

When filling in our online form, you’ll be required to provide the following information:

 

  • The amount you wish to borrow (£30,000 to £45,000)
  • The length of time you wish to borrow it for
  • Whether you are a homeowner or not
  • Your full name
  • Your contact details (e.g. email address and phone number)

 

All applications are completely free of charge to complete and will not impact your credit rating.

We aim to process and complete your £30,000 loan as soon as possible – with some lenders providing funds in one lump sum to your bank account within a few hours, days or weeks of applying.

Related Links

Loan Calculator

Use our loan calculator to get an estimate of the costs, repayments and interest charges.

£1,000 - £5,000 loans

Unsecured loans to suit most applicants. Compare rates and apply online from direct lenders.

£2,000 - £3,000 loans

Unsecured loans for any purpose. Compare rates and get a quote online.

£4,000 - £6,000 loans

Borrow what you need and compare rates online.

£7,000 - £8,000 loans

Rates for all credit types, pensioners and the self employed.

£9,000 - £12,000 loans

We can quickly check your eligibility and get a loan decision online within a few minutes.

£10,000 - £25,000 loans

An unsecured loan for any purpose. Rates to suit most applicant types. Apply online with Lending Expert.

£11,000 loans

Compare loans and apply over 1 - 5 years from approved lenders with Lending Expert

£13000 - £16,000 loans

Apply with Lending Expert & borrow what you need from UK lenders. Compare rates and loans side-by-side.

£14000 - £18,000 loans

Loans for most applicants. Solutions for buying a car, debt consolidation or home improvements.

£15,000 - £20,000 loans

Get a quick online loan decision from our approved unsecured lenders. Apply online with Lending Expert.

£17,000 loans

Apply & Lending Expert can get you a pre-approved for the loan you need quickly.

£19,000 loans

Compare loan rates from 2.9%. Apply online and get a quick decision with Lending Expert.

£21,000 - £22,000 loans

Apply & borrow over £20K with personal loan rates at 2.9% APR with Lending Expert.

£23,000 - £24,000 loans

Find out which loans and rates are available to you with Lending Expert.

£30,000 - £40,000 loans

Apply online and get your eligibility with Lending Expert.

£60000 - £70,000 loans

Apply for a wide range of uses. Calculate the costs and repayment interest charges.

£80,000 - £90,000 loans

Apply online with Lending Expert for larger loans secured against residential property and buy to let properties. Get expert advice from our brokers.

£50,000 - £100,000 loans

Apply with Lending Expert to borrow £50K - £100K over 3 - 30 years. Rates to suit most applicant types. Check your eligibility online.