Bigger plans, bigger borrowing
You could use your home as security to unlock higher loan amounts
Check your eligibility before you apply
See which loans you could get without harming your credit score
No hidden surprises
Get a clear view of rates and repayments before you decide to commit
Always think carefully before securing debts against your home. Your home may be at risk if you don’t keep up repayments.
We offer loans from FCA-regulated providers including:
Showing providers 1 to 8 of 11
A secured loan lets you borrow money using a valuable asset – usually your home or car – as security for the borrowing. This means that, if you don't keep up repayments, the lender could sell that asset to get back the money it lent to you.
Think carefully before taking out a secured loan and only apply if you're totally confident you can keep up with the repayments.
Compare loans with us to search for secured loans you’re likely to be accepted for. You can use Compare the Market to compare secured loans from £10,000 up to £250,000.
Fill in your phone number to arrange a chat with our partner broker Fluent Money2. One of its expert advisers will call you back to explain more about secured loans and help you apply for the right one for you.
If your loan application is approved, you’ll receive the money. You then start repaying it monthly, including interest, for the agreed length of the loan. The loan is cleared after you make the final repayment.
When you take out a secured loan, you borrow money and secure it against a valuable asset you own, such as your home. With an unsecured loan, you don’t have to put up an asset as security.
Find out more: secured vs unsecured loans
The cost depends on several factors. You can use our loan calculator to work out how much a loan could cost you overall and what your monthly payments might be.
This varies among lenders. The higher your credit score, the lower the interest rate a lender is likely to offer you.
Representative APRs for secured loans are typically around 11.8%, although the rate you’re offered will depend on your individual circumstances3.
In general, the more you borrow, the more interest you’ll pay (as you're paying interest on a higher sum).
If you’re borrowing over a longer period, your monthly payments will be lower but you’ll pay more in interest overall.
These could include an arrangement fee, valuation fee and a legal fee. You may also be charged a fee if you repay your loan early or make overpayments.
If you default on a secured loan – in other words, you stop making the repayments – the lender has the legal right to take the asset the loan is secured against. But it must follow the proper procedures to do so.
The lender can then sell the asset – usually your home or car – to recover the money you owe. But most lenders only do this as a last resort.
Defaults will usually be recorded on your credit report. This will lower your credit score and make it harder for you to borrow money in the future.
Contact your lender if you’re struggling to make your loan repayments. It may agree to a more affordable payment plan.
Explore more about how loans work and the differences between secured and unsecured loans
The loan provider will arrange for your home to be valued by a chartered surveyor. You’ll normally have to pay for this, so keep this in mind when considering your overall costs.
It might be easier to get a secured loan than an unsecured loan, especially if you have a bad credit record.
Some loan providers are more willing to lend you money if you’re putting up an asset, such as your home, as security for the loan.
If you take out a secured loan and make your repayments on time every month, your credit score could improve over time. This is because you’re showing you can handle credit successfully, making you less of a risk to lenders.
But if you don’t keep up with the repayments, your credit score will go down.
If you move home, you’ll usually be expected to pay off a loan secured on the property. You can do this by:
Using the proceeds from the sale of your home
Paying off your secured loan before putting your house up for sale
Taking out an unsecured loan to pay off your existing secured loan.
Alternatively, you may be able to transfer the secured loan to your new property, although not all lenders offer this option.
If you can transfer the loan, you may have to pay an admin fee. You might also have to renegotiate the loan, which could increase the interest rate and loan term. Speak to your lender to find out more.
Charlie is a senior commercial leader with close to a decade of experience across the UK’s leading personal-finance and comparison platforms. Before joining Compare the Market as Head of Commercial in 2024, he held senior commercial roles at TotallyMoney and MoneySuperMarket Group.
1Based on the % of respondents claiming they have used Compare the Market in the last 12 months vs. other leading PCWs. Source: Savanta BrandVue Financial Services, National Representative Survey of 12,257 respondents (June 2026)
2Fluent Money is a UK-based finance broker that works with a wide panel of lenders. Fluent Money provides a tailored advisory service with no up-front broker fee for the initial consultation. It offers flexibility, speed and clarity in higher-risk, higher-cost financing scenarios.
Fluent Money acts as a credit broker, not a lender. To apply you must be a UK resident, aged 18 or over, and a homeowner. Credit is subject to status and eligibility.
3Correct as of June 2026.
Compare the Market Limited acts as a credit broker, not a lender. To apply you must be a UK resident and aged 18 or over. Credit is subject to status and eligibility.
What our expert says...
“Secured loans mean less risk for lenders but more risk for you. Before taking out a secured loan, it’s important you understand what might happen if you fail to meet your monthly repayments. If you secure the loan against your home, it could be repossessed.”