Secured loans offer an efficient way to borrow large sums by using property or other assets as collateral. These loans typically come with lower interest rates compared to unsecured alternatives, making them an attractive option for individuals and businesses seeking competitive rates and flexible repayment terms.
Choosing the best secured loan broker can make a significant difference in securing the most favorable deal. In this article, we highlight some of the top brokers to consider in 2025, each offering distinct features and advantages. Here’s a closer look at the best secured loan broker options currently available.
1. KIS Finance
KIS Finance is an independent finance broker based in Cullompton, UK, renowned for providing swift and effective financial solutions. They have established themselves as a leader in the secured loan market due to their extensive network of trusted lenders and their ability to offer highly competitive rates. As one of the best secured loan providers, they specialize in arranging loans for clients with a wide range of needs, from debt consolidation to property investment. KIS Finance’s transparent, no-nonsense approach ensures clients receive tailored advice and a clear understanding of their options.
- Amount: £5,000 to £2.5 million
- Interest Rates: Varies
- Fees: 8%, capped at £2,950
- Term: 3 to 35 years
What makes them a solid choice? With access to over 200 lenders, KIS Finance is particularly known for its ability to provide high loan-to-value (LTV) options, including up to 125% in some cases, and its efficient process for securing loans quickly.
2. Impact Specialist Finance
Established in 1991, Impact Specialist Finance is a well-established mortgage broker that offers a broad range of secured loan products. Based in Horsham, West Sussex, they have built a reputation for helping clients in complex financial situations, including those with poor credit histories or unusual income profiles. The company’s expertise lies in specialist lending, catering to a diverse customer base ranging from homeowners in need of debt consolidation to portfolio landlords seeking financing for their property businesses.
- Amount: £5,000 to £1 million
- Interest Rates: Starting at 5.99%
- Fees: No upfront fees
- Term: Up to 30 years
What makes them a solid choice? Impact Specialist Finance stands out for its flexible approach and its commitment to working with clients who may struggle to obtain financing from traditional lenders, including self-employed individuals and those with adverse credit.
3. WF Financial Solutions
WF Financial Solutions is a trusted independent broker offering invoice, asset, and trade financing solutions. With strong relationships with a range of lenders, WF Financial Solutions provides clients with access to competitive rates and tailored financial products. They offer personalized loan solutions for both individuals and businesses, helping clients secure financing for various needs, from property purchases to expansion projects.
- Amount: Varies
- Interest Rates: Varies
- Fees: Free, no-obligation quotes
- Term: Varies
What makes them a solid choice? Their ability to negotiate exclusive rates with lenders, combined with their deep industry expertise, gives WF Financial Solutions a unique position in the market for securing favorable loan conditions for clients.
4. Starloans
Starloans has been in operation since 1957, offering a range of secured loans to homeowners across the UK. They specialize in second charge mortgages and have become known for their ability to offer competitive interest rates and flexible terms. Starloans is particularly suited for borrowers seeking small to medium-sized loans, with loan amounts typically ranging from £10,000 to £1.5 million. With decades of experience in the market, they are well-versed in handling clients with diverse financial backgrounds.
- Amount: £10,000 to £1.5 million
- Interest Rates: Starting at 5.99%
- Fees: Varies
- Term: 1 to 30 years
What makes them a solid choice? Starloans is widely recognized for its expertise in the second charge mortgage market, offering loans with up to 100% loan-to-value (LTV) and ensuring that borrowers get the best value from their secured loans.
5. Central Trust
With over 35 years of experience, Central Trust is a trusted specialist mortgage lender based in Watford, UK. They provide a wide range of secured loan products, including second charge mortgages and homeowner loans, and have a strong track record of working with borrowers who have less-than-perfect credit histories. Central Trust prides itself on its straightforward application process, customer-focused service, and ability to offer flexible loan terms tailored to individual needs.
- Amount: Up to £250,000
- Interest Rates: Starting at 6.99%
- Fees: No broker fees
- Term: 3 to 25 years
What makes them a solid choice? Central Trust’s direct lending approach eliminates broker fees and ensures transparency throughout the process, making them a reliable choice for borrowers seeking clear, upfront terms.
6. Charleston Financial
Charleston Financial Services is a well-established mortgage broker with years of experience in commercial and residential finance. They specialize in providing a broad range of loan products for both individuals and businesses, with a particular focus on commercial finance solutions. Their transparent approach, combined with a deep understanding of their clients’ needs, has made them a trusted name in the industry. Charleston Financial is committed to forging long-term partnerships built on integrity and trust.
- Amount: £25,000 to £2.5 million
- Interest Rates: Varies
- Fees: No upfront fees
- Term: 1 to 25 years
What makes them a solid choice? Charleston Financial’s commitment to transparency, no early settlement fees, and the ability to offer loans to both homeowners and landlords sets them apart, making them ideal for those with varying financial needs.
7. Mint FS
Mint FS was founded with the vision of improving the secured loan process by combining technology and decades of industry experience. They use a streamlined online platform that allows customers to easily access expert advice and simplify the often complex mortgage and loan processes. By leveraging technology, Mint FS makes it easier for clients to apply for loans, while also ensuring they receive competitive rates.
- Amount: Up to £100,000
- Interest Rates: Varies
- Fees: No hidden charges
- Term: 3 to 25 years
What makes them a solid choice? Mint FS offers a fresh approach to finance with a user-friendly online portal that simplifies the loan application process, making them a top pick for tech-savvy borrowers.
8. LoanPig
LoanPig is a direct lender and broker that provides access to one of the UK’s largest panels of lenders, allowing customers to find the most suitable loan deals available to them. The company leverages innovative technology to offer an efficient, secure, and streamlined application process, making it easy for customers to apply for short-term loans online. LoanPig aims to match borrowers with lenders based on the specific details provided in their application, ensuring a fast and hassle-free borrowing experience.
- Amount: Varies
- Interest Rates: Varies
- Fees: No upfront fees
- Term: 1 to 12 months
What makes them a solid choice? LoanPig’s 100% online application process, high acceptance rates, and commitment to detailed affordability checks make it a solid choice for borrowers looking for fast and secure short-term loans without the need for phone calls or in-person meetings.
9. Ocean Finance
Ocean Finance has been a trusted name in secured lending since 1991, specializing in homeowner and personal loans. They use a panel of over 100 lenders to find the best loan options for their clients. Ocean Finance is particularly known for working with individuals who may have poor credit histories, offering solutions for homeowners and tenants alike. Their services are built around the goal of helping people get the financing they need to improve their lives.
- Amount: £10,000 to £500,000
- Interest Rates: Starting at 5.9%
- Fees: No upfront fees
- Term: Flexible terms, usually 3 to 25 years
What makes them a solid choice? Ocean Finance’s vast lender panel and focus on helping clients with bad credit make them a standout in the industry, especially for borrowers seeking fast, reliable loans.
Are Secured Loans Safe?
Secured loans can be a safe and effective way to borrow large sums of money, but like any financial product, they come with their own risks.
The primary risk associated with secured loans is that you are using your property or another valuable asset as collateral. This means that if you fail to meet the loan repayment terms, the lender has the right to take possession of the asset to recover the debt.
To ensure the safety of your loan, it’s important to work with a reputable broker – choosing the best secured loan broker can help you avoid predatory lenders and ensure that the terms of your loan are fair.
You can also use a future value calculator to better understand how the loan and repayments may impact your long-term financial outlook
Make sure to read the terms and conditions carefully, and never borrow more than you can comfortably repay. With the right precautions, secured loans can be a secure and beneficial financial tool, offering a lower-cost way to borrow large sums while providing flexibility in repayment terms.
How to Choose the Best Secured Loan Broker for Your Needs?
When selecting a secured loan broker, it’s essential to consider factors like loan amounts, interest rates, fees, and flexibility. Brokers that have a diverse range of products and lenders can offer clients more tailored solutions.
Additionally, a broker’s ability to work with clients facing poor credit histories can be a significant advantage, as it increases your chances of loan approval.
The best secured loan brokers are also those that offer transparent services with no hidden fees. The application process should be straightforward, with clear terms and conditions.
Conclusion
The secured loan market in 2025 is filled with brokers offering competitive rates, flexible terms, and tailored solutions for various financial needs.
When choosing the best secured loan broker, be sure to assess each company’s offerings to find one that aligns with your financial goals. With the right broker, you can secure the best deal and make your financial plans a reality.