🔥 58,000+ people matched with FCA-regulated advisers through Nesto — join them today →
⭐ Rated 4.9/5 · FCA Regulated · Free Service
Find a Secured Loan Broker in the UK
Need to borrow more than a personal loan allows? Get matched with a specialist secured loan broker who'll find the best rate for larger borrowing against your property.
✅ No credit check⚡ Matched in minutes🔒 FCA regulated
£35kaverage secured loan amount
25k+people matched
4.9★average rating
4.9★
Average adviser rating
★★★★★
4.9
2,847 reviews
🏆58,000+ people matched
✅100% FCA-regulated advisers
🆓Free matching service
⚡Matched within 2 minutes
🌐Whole of market access
25k+
FCA-regulated brokers
4.9★
Average adviser rating
100%
FCA-regulated advisers
2min
Average matching time
Why Nesto
Why use a Secured Loan Broker?
Secured loans (also called second-charge mortgages) let you borrow larger amounts at lower rates than unsecured products, using your home as security. Finding the best deal requires access to specialist second-charge lenders — most of whom only work with brokers, not directly with customers. A specialist broker compares rates across the whole market, understands complex affordability criteria, and ensures your application goes to the right lender first time.
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Lower rates than personal loans
Secured against your property, these loans typically offer rates 3–5% below comparable unsecured products.
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Borrow up to £500k
Far larger amounts than unsecured loans allow — suitable for major home improvements or debt consolidation.
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Specialist lenders
Most second-charge lenders only work through brokers. A broker accesses deals unavailable to the public.
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Flexible criteria
Suitable for self-employed, impaired credit and complex income — often where standard loans fail.
Every adviser matched by Nesto is independently FCA-authorised and regulated
"I'd been putting off finding a secured loan adviser for years. Nesto matched me in literally two minutes and the adviser they found was brilliant — saved me thousands."
Sarah M.
London · Secured Loan Broker customer
★★★★★
"The adviser Nesto matched me with was incredibly knowledgeable and patient. He explained everything clearly and found me a deal I never would have found on my own."
James K.
Manchester · Secured Loan Broker customer
★★★★★
"I was sceptical about using a matching service but Nesto was genuinely impressive. Free, fast, and the adviser they found was a total expert. Highly recommend."
Priya S.
Birmingham · Secured Loan Broker customer
Simple Process
How Nesto works
Getting matched takes under 2 minutes. Here's the process:
1
Tell us what you need
Answer a few quick questions about your situation so we can understand exactly what kind of secured loan adviser you need.
2
Get matched instantly
Our matching engine connects you with the best-fit, FCA-regulated Secured Loan Broker from our vetted adviser panel.
3
Get expert advice — free
Your adviser contacts you within 24 hours to arrange a free initial consultation with no obligation to proceed.
Fund major renovations without remortgaging and losing a competitive first mortgage rate.
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Debt consolidation
Combine expensive unsecured debts at a much lower secured rate.
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Business funding
Raise capital for business investment using residential property as security.
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Bad credit
Access funds despite credit issues — secured lenders often accept applicants declined for unsecured loans.
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Second homes
Finance improvements or equity release from a second property.
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Fast turnaround
Some secured loan completions can happen within days when speed is essential.
Got Questions?
Frequently asked questions about Secured Loan Brokers
A secured loan (second-charge mortgage) uses your property as collateral. If you can't repay, the lender can repossess your home. In return, you access better rates and larger amounts than unsecured products.
Remortgaging replaces your existing mortgage. A secured loan sits alongside it as a separate product. If you're tied to a competitive first mortgage, a secured loan lets you borrow more without breaking your deal.
Typically £10,000–£500,000, depending on your equity and income. Most lenders will lend up to 75–85% combined loan-to-value (your first mortgage plus the secured loan).
Currently 5–12% depending on your credit profile, LTV and the lender. Your broker will find the most competitive rate available for your specific circumstances.
Often yes — secured lenders are more flexible than unsecured lenders because the loan is backed by property. Your broker will identify lenders who consider your specific credit history.
Typically 2–6 weeks from application to funds. Some lenders offer faster turnaround for straightforward cases. Your broker manages the process throughout.
They'll be notified as part of the process, but the new lender takes a second charge on your property. Your first mortgage remains unchanged.
Most secured loans have Early Repayment Charges in the first few years. Your broker will compare deals with and without ERCs based on your plans.
The loan is repaid from the sale proceeds along with your first mortgage. Any remaining equity comes to you.
Yes. Secured loans on residential properties are regulated by the FCA under the Consumer Credit Act and Mortgage Credit Directive. Your broker must be FCA-authorised.
Payslips or accounts (self-employed), bank statements, mortgage statements, proof of ID, and property valuation details. Your broker will confirm the full list.
Contact your broker and lender immediately. Options may include payment holidays, term extension or restructuring. Ultimately, failure to repay risks repossession — act early.
Secured loans (also known as second charge mortgages) can be used for home improvements, debt consolidation, business investment, purchasing a vehicle, or almost any legal purpose. Lenders are typically less restrictive than unsecured loans on what the funds are used for.
A secured loan sits behind your first mortgage and doesn't affect it directly. You keep your existing mortgage deal and add a second charge. A broker ensures the combined borrowing remains affordable and that you're not putting your home at unnecessary risk.
Secured loans are available to a wider range of credit profiles than unsecured loans because the loan is backed by your property. Specialist lenders exist for those with defaults, CCJs, or previous financial difficulties. A broker identifies who will lend based on your exact profile.
Still have questions? Your matched adviser will answer them all — for free.
Answer a few quick questions and we'll match you with a qualified, FCA-regulated adviser suited to your exact situation — completely free, no obligation.
