Best Secured Loans

Below we’ve listed our TOP choice secured loan brokers from over 25 reviewed and tested. They can quickly search across 17 lenders from the market place to find you the cheapest loans and deals. Simply click apply to make an application.

All Credit Types
Rated 5 / 5

Smart Money

Loan Type
Secured & Homeowner Loans

Loan Amount
£3,000 +


Loan Term
3 - 30 Years

Award winning broker of the year Smart Money have made it to the top of our list as our No 1 recommended provider for homeowner loans. Smart Money are not available direct to the public and so we are very excited to be able to offer them here via Lending Expert.

They search through 17 lenders in the market place to find the cheapest loans to suit your circumstances. They can help with debt consolidation, home improvements and buy-to-let applications.

Read our review



How long does it take to get a loan?

Loans can be completed within a matter of a few weeks assuming all the application and supporting documents are provided quickly.

Do I need to be a homeowner?

Yes, as these types of loans are secured against your home in the same way a mortgage is. They are often referred to as a second charge loan.

Do I have to pay any upfront fees?

No, there are no up front fees to pay. However, there is a broker fee and lender fees to pay upon completion of the loan. In most cases there is also a home survey/valuation fee to pay in addition to the broker and lender fee. These fees and the amount to pay will be explained to your prior to taking out an application.

Are these types of loans suitable for buy to let?

Yes, secured loans can be taken out on buy to let property.

What purpose can the loans be used for?

Loans can be arranged for any legal purpose. Secured loans are mostly used for home improvements and debt consolidation.

How much can I borrow?

The amount you can borrow will depend on factors such as home equity and affordability. A quick assessment from a broker will be able to establish how much you are able to borrow and how much the loan will cost.

We are independently reviewed by our verified customers and web users:
Rating: 4.6 / 5 with 18 votes

Lending Expert is a credit broker, not a lender.

We bring together the very best providers and deals from across the market place.