Secured loans from £5,000 to £105,000
Fast online eligibility check with no impact on your credit score. Borrow against the equity in your home for home improvements, debt consolidation, or almost any purpose.
Creditora is a credit broker, not a lender. We work with a panel of established UK lenders and finance providers.
Why choose a secured loan?
A secured loan allows you to borrow against the equity in your home without changing your existing mortgage. It runs alongside your current mortgage and can offer:
Higher borrowing limits
Flexible repayment terms
Competitive interest rates
Options for less-than-perfect credit
Whether you want to reduce monthly payments or fund personal goals, we help find the right loan for your circumstances.
Borrowing for your goals
Debt consolidation
Bring multiple debts — like credit cards and personal loans — into one manageable monthly payment.
- •Reduce monthly outgoings
- •One simple repayment
- •Potentially lower interest rates
Home improvements
Upgrade your space, extend your home, or complete renovations with flexible borrowing and repayment options.
- •Finance small or large projects
- •Increase your property value
- •Tailored repayment terms
For almost any legal purpose
From education and weddings to vehicle purchases or investments, secured loans can offer flexible funding.
- •Borrow from £5,000
- •Competitive rates available
Why Creditora?
Access to a wide panel of UK lenders
Soft search eligibility check — no credit score impact
Loans tailored to your needs and budget
Fast decisions and expert support
We handle the search, negotiation, and admin so you get a competitive deal for your situation.
How it works
Tell us your plans
Share your goals, loan amount, and financial details
We search the market
Our specialists find the most suitable options for you
Funds arranged quickly
Once approved, money is released and you can move forward
Frequently asked questions
How does a secured loan differ from an unsecured loan?
Unsecured loans aren't backed by property, so borrowing limits are lower and interest rates are typically higher. Secured loans use your property as collateral, allowing higher amounts and longer terms.
How much can I borrow?
From £5,000 to £105,000, subject to lender criteria and available equity.
Can I get a secured loan with bad credit?
Yes — options are available for borrowers with adverse credit, depending on affordability and property equity.
Will this affect my mortgage?
No. The loan is separate and runs alongside your mortgage.
Will checking eligibility affect my credit score?
No — our initial check is a soft search.
Need help? Speak to a specialist
THINK CAREFULLY BEFORE SECURING DEBT AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER SECURED CREDIT.
If consolidating existing borrowing, please be aware you may increase the term and total amount payable.