Need a Secured Loan With Bad Credit?

If you have an adverse credit history or a low credit score and are a homeowner then our approved experts can help find you a loan from the entire market place. They deal directy with lenders who offer loans to people who have been refused credit elsewhere with poor to fair credit ratings.

IMPORTANT: We work hard to find you the cheapest bad credit deals and we promise you wont find a better deal anywhere else.

All Credit Types
Rated 5 / 5

Smart Money

Loan Type
Secured & Homeowner Loans

Loan Amount
£3,000 - £2.5 Million


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



I have missed loan payments in past and these are registered on my credit file, will this effect my loan application?

The lender will take this into considertion as part of your overall credit history. However, missed payments in the past does not neccessarly mean you will be denied a loan. Each lenders requirements will vary, and your broker can help choose the right lender who is likely to accept your application.

I have some old CCJ's on my credit file can I still get a loan?

Yes. However, this will depend on the lender and how they access your current creditworthiness. Your broker will be able to place you application with a suitable lender.

Can I get a secured loan without a credit check?

No. All lenders will require a credit check.

Do you offer loans to self employed?

Yes. Self employed applicants are fine as long as you can demonstate and show proof of your income. If you are a sole trader business, contractor or company director then you may be required to show your HMRC figures from the SA 302 forms.

Do you offer loans to pensioners?

Yes. Applicants are accepted over the age of 65. Due to you being an older borrower there will be restrictions on the length of the loan term.

How much can I borrow?

Secured loans are offered up to 95% loan to value. However, the lender will also assess affordability of the loan and will take into consideration your earnings and the value of your home. A broker will be able to make an assessment and let you know how much you can borrow.

What are the fees?

There will be fees associated with the following:

- A one off broker fee
- A one off lender fee
- A home valuation fee

The broker and lender will let you know in advance of how much the fees are being you proceed with a loan application. Fees can also be added to the loan.

Over how long can I have the loan?

Secured loans are like mortgages in that repayments can be paid over a long period e.g up to 35 years.

Can I get a secured loan on buy-to-let?

Yes. Loans are available against buy to let properties up to 75% loan to value. There is no proof of income requirement and the minimum loan amount is £10,000.

Are loans available for discharged bankrupts?

Yes. There are a number of second charge lenders who are willing to lend to discharged bankrupts. Your broker will be best to advise you on what options you have and the lenders that are available.

We are independently reviewed by our verified customers and web users:
Rating: 4.6 / 5 with 21 votes

Lending Expert is a credit broker, not a lender.

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