Best UK Secured Loans

Finding secured loans can be challenging, especially if you have a credit score that is less than ideal. If you own valuable assets such as a home or vehicle, a secured loan could be an option if you can’t get a personal loan. However, when signing up to secured loans, it is critical to analyse the risks: if you struggle to maintain with the mortgage payments, the lender will claim your asset.

In this article, we will be highlighting some of the top secured loans companies in the UK which will help you to pick the one which is suitable for you and meet your needs. 


  1. West One Secured Loans
  2. Paragon Bank Plc
  3. Shawbrook Bank
  4. Optimum Credit Ltd
  5. Mast haven Bank Ltd
  6. United Trust Bank
  7. Step One Finance Limited
  8. Together Secured Loan
  9. FAQ’S


West One Loans can provide financing options to both the industrial, private, and residential markets, including regulated secured loans for owner-occupied properties. This allows their customers to utilize their current assets to embrace new markets and open new territory while staying secure in their finances. Since West One Loans is an established lender with a huge number of skills in real estate financing, they can easily turn loans around to satisfy the demands of a short timeframe that is essential to real estate growth where every hour matters.

The products offered by West One Loans also provide high-value commercial secure loans that companies can use to acquire new properties, new investments, or essentially to free up working capital. By providing versatile goods that can be customised to the needs of each particular project, West One Loans can fulfil the needs of every client.


Every good bridge lender needs to define its core market and concentrate on the consumers who matter most to them. Paragon Bank is working hard to offer the kind of finance that homeowners, companies, and developers find invaluable through assembling loans that suit their needs. For many borrowers, a secured loan is a fast and inexpensive way to accomplish short-term growth, and this method of financing is widely used to buy homes at auctions.

Paragon banks can satisfy the demands of their clients by discarding the conventional “checkbox” model and choosing a more innovative, versatile solution. This helps them to draw up terms and payment arrangements that accommodate each particular borrower, providing loans that are specifically customised to satisfy various needs.


Shawbrook Bank is a long-standing source of banking solutions to commercial and retail clients, providing anything from secured loans to corporate finance. Their corporate finance loans may be extended to a wide variety of fields of specialisation, including taxi, marine, transportation, agriculture, pharmacy, and medical finance. These specialist industries also lack a designated lender who can deliver financial solutions that fully suit their needs and the lending choices that Shawbrook Bank offers to go a long way towards supporting enterprises in these sectors.

In addition to cash flow funding and specialised lending, Shawbrook Bank now offers a wide variety of mortgage options on both first and second charges. They are available for industrial and domestic use with variable prices on offer to suit the needs of each client. These services benefit from the proven history and high degree of confidence that Shawbrook Bank has developed over the last 70 years in business.


Provider of second charge mortgages to homeowners in the UK. The company’s range of discretionary, fixed, and subsidised second charge mortgages provides adjustable overpayment solutions, without fee, which encourage its clients either to shorten the duration of their second charge loan or to shorten monthly repayments, based on their individual and personal circumstances.

Their goal is to provide clients with a second mortgage fee that suits their particular and specific circumstances. Optimum Finance could give you a second mortgage fee of any value from £5,000 to £1,000,000. They provide affordable fixed, discounted, and flexible pricing services. The exact rate that they give will depend on your case and financial situation.


Establishing a variety of financial products involves a thorough knowledge of the market and also of the needs of the consumer. Loans in the secured finance sector could be used for several different applications, and the lender must satisfy the needs of the client; otherwise, it would fail to be effective. Masthaven Bank has proved to be a market-leading lender and provides a wide variety of financing options that can be used to address many diverse needs, from innovative construction financing to first-or second-charge residential lending. 

Masthaven also offers regulated secured loans, enabling them to fund owners-occupiers for chain-breaking and refurbishment reasons. Where Masthaven stands head and shoulders well above the crowd, it is in their willingness to put clients first and the bridging financing they offer usually encourages borrowers to “roll-up” their interest, deferring payment before the duration of the loan ends. This encourages borrowers to expand rapidly and decisively, freeing themselves from the constraints of their cash flow, to exploit resources whenever they become available.


As a supplier of corporate and personal finance products, United Trust Bank is one of the few secured loan lenders that can genuinely fulfill the needs of any customer. As United Bank provides a wide variety of product styles to suit several multiple approaches, it can establish loan terms to suit each particular customer and project. This versatility is crucial when working in the secured loan finance market, as it allows companies and investors to take advantage of favorable financial conditions to grow more rapidly and sustainably.

United Trust Bank provides a variety of loans, which are controlled by the Financial Conduct Authority, to allow it to use the owner-occupied property as collateral while constructing a loan package. This is a very useful choice for many borrowers, as it allows them to free up money for other uses, which makes United Trust Bank the first stop of call for several various clients. The highly customized design of United Bank loan goods also allows them to provide tailor-made funding to specialists, including accountants, engineers, physicians, and lawyers. These types of financing are best tailored to delivering versatile and financial flexibility to high-performing customers.


Step One was founded in 2010 and it aims to run a leading industry-leading consumer finance marketplace focused on conventional lending principles. Established in a tiny London office, they are now located in Woking, Surrey, where their team of trained professionals provides tailored lending solutions. They are approved and supervised by the Financial Conduct Authority and are also members of the Finance & Leasing Association.

They can meet the client’s needs by customising every plan accordingly. The highly customisable design of their services and product is useful to plan according to your requirements without any hassle. 


Each borrower needs to understand that the lender they borrow is trustworthy and secure and has the skills to fulfil the unique criteria of their project. Together the lender can fulfil all these needs and more with its large product range and deep expertise in the real estate finance industry. The secured funding available from Together can be used for several different purposes, including auction sales and acquisitions of properties.

Besides, together provides all of its bridging goods as second-rate loans, helping borrowers to extend their current investments much more into quite lucrative ventures. Together always encouraging borrowers to borrow bridge loans to collect operating capital, the opportunity to securitise reserves for a second time allows companies to restructure obligations and to begin trading. Together secured loans a broad variety of options also encompasses more conventional purchase-to-lease lending and mortgages, with all types of financing providing customisable terms to suit the needs of various consumers.



Many unsecured loans are taken over not more than five years. However, for a secured loan, you may stretch the debt payments over between 5 and 30 years!


Loan to Value is the term used among mortgage lenders to assess the value of the loan in comparison to the overall value of the land.


You can use a secured loan to do something at all. Debt restructuring, holidays, a new vehicle, or home renovation are also legitimate excuses for carrying out a homeowner’s loan.


The variable rate refers to the interest rate related to other prices that vary significantly over time, such as the Bank of England Base Rate. Apart from fixed rates, flexible rates are generally much cheaper in the short run–but they are not promised to remain low.

Secured loans