Indicative Quote Calculator

Compare Secured Loan Rates

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Loan amount£50,000

£10k£500k

Loan term10 years

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Loan amount

£50,000

Term

10 years

15 products matched

Lender	Product	Init. Rate	Monthly	Period	Reverts to	Rev. Payment	APRC	Prod. Fee	Broker Fee	Total
Selina FinanceBest	Home Equity Loan 5yr Fixed	6.34%	£575/mo	5yr Fixed	7.09%	£585/mo	7.0%	£995	£0	£69,611
Selina Finance	Home Equity Loan 5yr Fixed	6.39%	£576/mo	5yr Fixed	7.09%	£586/mo	7.0%	£995	£0	£69,725
Pepper Money	Second Charge 5yr Fixed	6.99%	£592/mo	5yr Fixed	7.59%	£600/mo	7.9%	£995	£0	£71,530
Spring Finance	Optimal Zero 5yr Fixed	7.61%	£608/mo	5yr Fixed	8.20%	£617/mo	8.4%	£995	£0	£73,502
Spring Finance	Optimal Zero 2yr Fixed	7.90%	£616/mo	2yr Fixed	8.20%	£623/mo	8.2%	£995	£0	£74,563
Norton Finance	Second Charge 2yr Fixed	8.55%	£631/mo	2yr Fixed	9.35%	£649/mo	9.4%	£795	£0	£77,480
Spring Finance	Optimal 1 5yr Fixed	8.51%	£633/mo	5yr Fixed	9.22%	£643/mo	9.3%	£995	£0	£76,541
Spring Finance	Optimal 1 2yr Fixed	8.83%	£641/mo	2yr Fixed	9.22%	£650/mo	9.1%	£995	£0	£77,812
Spring Finance	Optimal 1 HLTV 5yr Fixed	8.96%	£645/mo	5yr Fixed	9.70%	£656/mo	9.7%	£995	£0	£78,059
Central Trust	Plan 1 2yr Fixed	9.01%	£646/mo	2yr Fixed	10.11%	£672/mo	9.8%	£999	£0	£80,000
Selina Finance	Home Equity Loan 2yr Fixed	9.09%	£648/mo	2yr Fixed	9.59%	£660/mo	9.5%	£995	£0	£78,923
Central Trust	Plan 1 5yr Fixed	9.10%	£649/mo	5yr Fixed	10.11%	£664/mo	10.0%	£999	£0	£78,780
Central Trust	Plan 2 2yr Fixed	9.17%	£651/mo	2yr Fixed	10.26%	£676/mo	10.0%	£999	£0	£80,519
Central Trust	Plan 5 2yr Fixed	9.96%	£673/mo	2yr Fixed	11.02%	£698/mo	10.7%	£999	£0	£83,153
Evolution Money	Plan 8 Variable	12.90%	£744/mo	Variable	—	—	12.9%	None	£0	£89,233

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Illustrative products from our panel. Rates correct as at March 2026 and subject to change. Total based on selected term with product fee added to loan. Your actual rate is confirmed following full underwriting. Products subject to lender availability and eligibility criteria. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS.

Get a Secured Loan Quote in Minutes

A secured loan quote — also called a homeowner loan or second charge mortgage — lets you borrow against the equity in your home without touching your existing mortgage deal. Our quote tool compares indicative rates from our panel of specialist lenders instantly, so you can see your estimated monthly repayments before speaking to an adviser.

Whether you need a homeowner loan for home improvements, debt consolidation, a new vehicle or a large purchase, secured borrowing is often significantly cheaper than an unsecured personal loan — especially for amounts above £25,000. Because the loan is secured on your property, lenders offer lower interest rates and longer repayment terms of up to 25 years.

All quotes are indicative, based on representative rates from our lender panel as at March 2026. Your confirmed rate is provided following a soft credit search and full underwriting — no hard credit check until you choose to proceed.

Borrow £10k–£500k

From small home improvements to large debt consolidation, our panel covers the full range of loan sizes.

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Get your personalised secured loan quote without affecting your credit score.

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Loan.Wales is a registered credit broker (FCA No. 624668). Our service is free of charge.

Secured Loan Quote — Common Questions

What is a secured loan quote?

A secured loan quote shows your indicative monthly repayment based on the amount you want to borrow, your property equity, and your credit profile. Unlike an unsecured personal loan, the debt is secured against your home, which allows lenders to offer lower rates and higher borrowing limits. Our quote tool searches our lender panel instantly — no credit check at this stage.

What is a homeowner loan and how does it work?

A homeowner loan (also called a second charge mortgage or secured loan) lets you borrow a lump sum using the equity in your home as security. Your existing mortgage stays completely untouched — the secured loan runs alongside it as a separate product. Typical loan sizes range from £10,000 to £500,000, with repayment terms of 5 to 25 years.

How much equity do I need for a secured loan?

Most lenders will lend up to 85–90% combined loan-to-value (LTV). For example, if your home is worth £250,000 and you have £150,000 outstanding on your mortgage, you may be able to borrow up to £62,500–£75,000. Our panel includes lenders who consider higher LTVs in certain circumstances, and some lend up to 100% LTV.

What is a second charge mortgage?

A second charge mortgage is the formal legal name for a secured loan. 'Second charge' means the lender takes a legal charge over your property, ranking behind your first mortgage lender. It is regulated by the FCA under the same rules as residential mortgages, so you benefit from full consumer protection.

What credit profile do I need?

Our quote tool lets you select clean, minor adverse, or adverse credit profiles. Lenders on our panel specialise in different credit tiers — so even with defaults, missed payments or CCJs there may still be options available. Your actual rate is confirmed following a full credit assessment by the lender.

Is there a fee to get a secured loan quote?

No. Getting an indicative quote through our tool is completely free and requires no personal details. Our advisers search the market on your behalf at no charge to you — we are paid a commission by the lender only if a loan successfully completes. All fees and charges are disclosed in full before you commit to anything.