100% Recommend

Expertly compared by Simon Nicholson

Products Updated May 27, 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.

1 providers expertly compared:

Learn More Available via broker only

Spring Finance

Loan Amount
£10,000 - £150,000

Initial Rate

Loan Term
3 - 35 years

Loan Type
& Buy to Let

Homeowners Only
Max LTV 60%

Rated 4/ 5

Poor Credit

Your monthly payment will be:


Interest on this loan will be:


Initial Rate:


Total repaid will be:


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.

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.

About Step One Finance

Step One Finance Limited is a specialist consumer lending business which provides creative consumer loan products.

Step One Finance was established in 2010 with a mission to operate an industry-leading specialist consumer finance platform, and originally based in a small office in Mayfair, London. In 2012, the company began lending an initial set of specialist second charge mortgage loan products, and by June of 2013, they had completed £1M worth of loans. The following year, Step One moved to a much larger office space in Woking, Surrey, and by the end of 2014 had completed £10M worth of loans.

Step One Finance boasts a team of qualified professionals offer lending solutions ‘with a personal touch’. They pride themselves on values of transparency and responsibility.


Step One Finance is authorised and regulated by the Financial Conduct Authority and is also a member of the Finance & Leasing Association (FLA). Their registered address is Premier House, 15-19 Church Street West, Woking, Surrey, GU21 6DJ and their telephone number is 01483-661-100


Step One Finance offers a variety of loan products, and each one has its own user friendly calculator for customers on their website.

Step One Finance has a personal loans product available from £1-10k, at fixed APR of 14.9%, within a repayment period of between 12 and 60 months. With no up-front fees, their personal loan is unsecured and designed for customers with good credit histories.

To qualify, borrowers must be homeowners in England and Wales, be aged between 21-70 years old, and have a minimum income of £16k. They must also have been living at their current address for a period of one year. Customers can borrow up to 95% loan to value (LTV), which includes the amount of a current first mortgage. Repayment periods range from 6 years to 30 years, with variable and 5-year fixed rates available. There are No up-front application fees, and will only charge their lender fee once a loan is taken out. A Step One homeowner loan can potentially offer a lower rate of interest when compared to unsecured loan products.

Step One also offers guarantor loans of up to £5,000 which requires the borrower to have a third party (who must be a homeowner in England or Wales) guarantee the repayment of the loan.

Step One also packages a series of ‘borrowing solutions’ which can be used for home improvements, car finance, debt consolidation and dream weddings.


Established in 2010, Step One Finance Limited is a specialist consumer lending business which provides creative consumer loan products. Step One lends for most purposes and has products to suit most customers. For each of their products, there is a loan calculator on their website.

Step One Finance offers loan products such as personal loans, mortgage loans, and guarantor loans as well as ‘borrowing solutions’ for home improvements, car loans, debt consolidation, dream holiday and other large purchases. Personal loans are fixed rate, so customers you know exactly how much they need to repay.