Borrow up to £500,000 with a secured loan

Fill in our easy online form
100s of secured loans compared for you
See the best rate you're approved for

Getting a quote won't affect your credit score

We work with Ocean who are a broker, not a lender. They arrange secured loans from their panel of lenders. You must be a homeowner to apply.

What could you do with a secured loan?

Consolidate your debts
You could combine multiple debts, so you only need to make one lower monthly repayment
Do up your home
You could improve your living space and add value to your home
Both of the above or other purposes
You could use a loan for multiple purposes and spend it on almost anything you like

Example repayments

Before

£976

Multiple monthly repayments

After

£264

Single monthly repayment

Did you know?

On average, our partner’s customers reduced their outgoings by over £700 every month* with a secured loan

Representative Example: If you borrow £26,000 over 7 years, initially on a fixed rate for 5 years at 7.285% and for the remaining 2 years on the Lender's standard variable rate of 9.924%, you would make 60 monthly payments of £452.63 and 24 monthly payments of £464.81. The total amount of credit is £29,715 (this includes a Lender Fee of £595 and a Broker Fee of £3,120). The total repayable would be £38,408.24. (this includes a Lender Exit Fee of £95). The overall cost for comparison is 12.4% APRC representative. This means 51% or more of customers receive this rate or better.

Our partner, Ocean Finance, already helped over 250,000 people and could help you too. Rates from 8.5% to 23.6% APRC. Repayment terms between 3 and 30 years.

Average reduction in outgoings of more than £700 per month for customers taking a loan for debt consolidation in the last 12 months.

Remember, if you consolidate your existing borrowing, you may be extending the term and increasing the amount you repay in total.

Before you apply for a secured loan, be aware that your home is used as security. This means your home may be at risk if you fall behind with your secured loan or mortgage repayments.

How it works

Choose how much you want to borrow and for how long using the quick application form

Our partner will search hundreds of loans from their panel of lenders to find the best rate you're approved for

An expert adviser will give you a call. They'll guide you through the next steps, and do all the legwork for you.

Frequently asked questions

What is a secured loan?

It’s a loan that’s secured against your home, so you need to own your property or hold a mortgage to be eligible.

Secured loans can be used for many different purposes, including debt consolidation and home improvements.

As the loan is tied to your home, it gives lenders an extra level of security. As a result, these loans are usually for larger amounts of money, the rates are usually lower and you can borrow the money for longer, compared to other loans.

Remember, if you don’t stick to the repayments, your home could be at risk, and longer loan terms can lead to you paying more interest overall.

Getting a quote won't impact your credit score

I’ve been declined by lenders in the past because I have poor credit. Does that mean that I’ll be declined again?

Can I apply for a secured loan if I have bad credit?

What are the benefits of a secured loan over a personal loan?

A secured loan can be cheaper compared to a personal loan.

You can usually borrow larger amounts of money compared to a personal loan, as this is secured against your home.

You can pay the loan back over a longer period compared to a personal loan. Although extending your loan term may reduce your monthly repayments, you may end up paying more interest in total.

Getting a quote won't impact your credit score

Homeowner loans are secured against your property. Ocean are a broker and they arrange secured loans from their panel of lenders. They receive commission upon completion. Any quote is inclusive of the Broker Fee and all associated costs which is calculated as 12% of the net loan amount, capped at a maximum of £4,495. Loans are subject to status, and the rate you are offered may change based on your individual circumstances.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Think carefully before securing other debts against your home.