Secured Loans are not like milk, where you enter the store, chose the first one, pay for it, and leave. When considering a secured loan, you want to make sure you’re choosing the best secured loan broker in the UK in 2025. Some companies have been great in the 90s and 2000s, but failed to maintain consistent. That’s why here’s the ranking of the best secured loan brokers in 2025.
1. KIS Finance
KIS Finance is an independent broker specializing in secured loans across the UK. Their experienced team focuses on delivering competitive finance options with minimal complications. By maintaining relationships with leading lenders, they can source favorable rates and flexible underwriting terms tailored to individual client requirements. The firm emphasizes efficiency and simplicity throughout the application process, ensuring quick responses to queries and rapid completion times.
Loan range: £5,000 to £2.5 million
LTV Value: Up to 100% Loan to Value (reaching 125% in some cases)
Availability: 7 days a week, extended hours from early morning to late night
Their secured loan advisors provide comprehensive nationwide coverage and can accommodate clients with adverse credit histories. The company operates with a no-broker-fee policy, making their services more accessible while maintaining access to the full spectrum of UK lenders. You can also check KIS Finance’s secured loan calculator to see the conditions of your secured loan.
2. Cornerstone finance
Cornerstone Finance offers secured loans through a team of experienced specialists with backgrounds in commercial property, bridging finance, and investments. Their service is built around clear communication, tailored solutions, and a commitment to long-term financial support. As a broker, they work with a broad range of lenders to deliver competitive loan options that meet each client’s individual goals. Clients benefit from expert advice across the full lending process, whether they need to consolidate debt, release equity, or fund property investments.
Loan range: £10,000 to £250,000
LTV Value: Up to 85% Loan to Value
Availability: Monday to Friday, 9am to 5pm
Cornerstone combines lending experience with a consultative style, making them a reliable option for borrowers looking for structured, flexible secured finance. They keep the process straightforward, prioritising speed without compromising on service.
3. Impact Specialist Finance
Impact Specialist Finance is an independent, family-run broker with over three decades of experience in specialist lending. Based in West Sussex, they serve clients across the UK and abroad, offering secured loans tailored to those who may struggle with mainstream lenders. Their expertise spans adverse credit cases, property investors, and expat borrowers. Impact blends personalised service with broad market access, helping clients secure competitive deals through a transparent, supportive process.
Loan range: £10,000 to £500,000
LTV Value: Up to 85% Loan to Value
Availability: Monday to Friday, standard business hours
With a reputation for fairness and attention to individual needs, Impact remains a trusted choice for borrowers navigating complex financial scenarios. They focus on clarity and client care, keeping things human in a space that often feels anything but.
4. Ocean Finance
Ocean Finance is a long-established broker helping homeowners secure loans for a wide range of purposes, including debt consolidation, home improvements, and personal finance. Active since 1991, they work with a large panel of lenders to match clients with suitable loan options, even in cases involving bad credit. Ocean combines fast, tech-driven results with human support, offering a blend of speed and personalisation that appeals to borrowers across the UK.
Loan range: £10,000 to £500,000
LTV Value: Up to 85% Loan to Value
Availability: Monday to Friday, standard business hours
Ocean has supported over a million customers, delivering quick decisions and competitive rates. With a track record of accessible lending and customer recognition, they aim to make borrowing feel less like a hurdle and more like a helping hand.
5. Loanable
Loanable is a specialist broker offering secured loans tailored to fit complex financial profiles, including those with poor credit or non-standard income. With access to over 400 loan products, they focus on personalising each application by matching borrowers to the most suitable lender and advisor. Rather than relying solely on credit scores, Loanable takes a broader view of each client’s financial situation, making their service more accessible and adaptable than traditional lending routes.
Loan range: £10,000 to £1 million
LTV Value: Up to 100% Loan to Value
Availability: Monday to Friday, standard business hours
Loanable stands out for its hands-on support, flexible underwriting, and fast, no-obligation assessments. Their process cuts the red tape and gets to the point—helping borrowers secure funding without the usual stress. When others say no, Loanable often finds a way.
6. Central Trust
Central Trust is a direct secured loan lender based in Watford with over 35 years of experience helping homeowners access funding, even with complex financial histories. Known for a hands-on, human-first lending process, they manually assess every application rather than relying on automated systems. This allows them to better understand individual circumstances and offer tailored solutions, particularly for borrowers with bad credit or non-standard income sources like pensions or benefits.
Loan range: Up to £250,000
LTV Value: Up to 85% Loan to Value
Availability: Monday to Friday, standard business hours
With no broker fees and a commitment to clear, respectful communication, Central Trust blends old-school service with flexible modern lending. They don’t just underwrite—they actually understand.
7. JW Private Finance
JW Private Finance offers tailored secured loan solutions with a focus on speed, creativity, and client-first service. Rooted in traditional values but driven by a modern, proactive mindset, the firm supports a wide range of borrowers—from families to businesses—whether they’re buying, refinancing, or developing property. The team takes pride in clear communication and hands-on support, offering bespoke options that reflect each client’s unique financial needs.
Loan range: £10,000 to £500,000 (typical range based on market data)
LTV Value: Up to 85% Loan to Value
Availability: Monday to Friday, standard business hours
With an emphasis on relationships and responsive service, JW Private Finance stands out for turning complex borrowing scenarios into clear, workable funding strategies. They’re the type of broker that makes problem-solving look easy.
8. Mint FS
Mint FS blends decades of financial expertise with smart technology to create a faster, more user-friendly secured loan process. Their digital-first model simplifies the paperwork and keeps clients informed through an online portal, while experienced advisors provide tailored guidance. Whether you’re refinancing, borrowing for renovations, or consolidating debt, Mint FS focuses on cutting hassle and delivering clear, cost-effective solutions.
Loan range: £10,000 to £500,000 (based on typical secured loan brackets)
LTV Value: Up to 85% Loan to Value
Availability: Monday to Friday, standard business hours
With access to thousands of loan products and excellent client reviews, Mint FS offers a fresh, efficient route to secured finance—think less red tape, more results. They don’t just promise speed—they build it into the process.