Secured Loans £10k to £500k

See if it’s a YES without
harming your credit score

  • Choice - we compare 100s of loans
  • Speedy - get a response in seconds
  • Approved - get online approval
Check now

Won’t harm your credit score

Ocean customers say Excellent 4.9 out of 5 based on 4,552 reviews

'Superb professional advice'
Really helpful team. My first enquiry was dealt with in a professional way and nobody was pushy and gave me the time to consider my options. I have now been able to consolidate and get my outgoings back on track. Mr Reynolds

'Excellent service and highly recommend'
The service was excellent. Great communication throughout’ …’absolutely no pressure and everything was done for you. Trusted customer

'Great consultative approach with the client’s best interests in mind'
Very patient and available people that are always keen to make your life easier and to work with you. Trusted customer

Your Homeowner Advantage

As a homeowner, you could benefit from:

  • Better rates
  • Lower monthly payments
  • More choice
  • Flexibility on repayments
Check now

Won’t harm your credit score

Secured loans are secured against your property. Before you apply for a secured loan, be aware that your home is used as security. Remember, if you consolidate your existing borrowing, you may be extending the term and increasing the amount you repay in total.

We are a broker and we arrange secured loans from a panel of lenders. We receive commission upon completion. Any quote is inclusive of the Broker Fee and all associated costs which is calculated as 12% of the net loan amount, capped at a maximum of £4,495. Loans are subject to status, and the rate you are offered may change based on your individual circumstances.

Here’s How We Helped

Mr & Mrs Evans...

Monthly outgoings were £1,157. They consolidated their credit cards, loans, and other credit commitments into one affordable monthly payment with a secured loan, and now only pay £492.

Monthly payments before £1,157
Reduction after consolidation £665
New affordable monthly payment £492
Check now

Won’t harm your credit score

Remember, if you consolidate your existing borrowing, you may be extending the term and increasing the amount you repay in total.

Customer names have been changed to protect their confidentiality. Average reduction in outgoings of £726.67 per month for customers taking a debt consolidation loan between January 2023 – December 2023.

What's in a name? Secured loans are also referred to as homeowner loans, debt consolidation loans, second mortgages, second charge mortgages, or home equity loans. Typically, these use your home as security against borrowing; however, some loan products designed exclusively for homeowners or debt consolidation may be unsecured.

Reduce Outgoings

Consolidate multiple outgoings into one lower, affordable monthly payment.

Add Value to Your Home

Fund improvements and enjoy your home now, with time to pay it back.

A Bit of Both?

Use your loan for almost anything you wish; a combination of the above or something different – you choose!

Check now

Won’t harm your credit score

All Credit Scores Welcome

Don’t worry if your credit score is less than perfect.

Our broad panel of lenders cater for everybody’s story.

Use Our Eligibility Checker

Our soft search enables you to see loans you are eligible for, without harming your credit score.

Check now

Won’t harm your credit score

Expert, Professional Advice

Our qualified advisers are on hand to provide friendly advice and ensure you get the right loan, tailored to your needs.

UK Based

Our loan specialists in the UK will work with you to find your best option from our panel of lenders.

Over 30 Years’ Experience

We’re proud to have helped over 1 million people with their finances.

Check now

Won’t harm your credit score

Representative Example: If you borrow £22,150 over 10 years, initially on a fixed rate for 5 years at 8.645% and for the remaining 5 years on the Lender's standard variable rate of 8.695%, you would make 60 monthly payments of £316.93 and 60 monthly payments of £317.31. The total amount of credit is £25,403 (this includes a Lender Fee of £595 and a Broker Fee of £2,658). The total repayable would be £38,149.40. (this includes a Lender Exit Fee of £95). The overall cost for comparison is 12.70% APRC representative. This means 51% or more of customers receive this rate or better.

Common questions

Secured loans are secured against your property. Before you apply for a secured loan, be aware that your home is used as security. This means your home may be at risk if you fall behind with your secured loan or mortgage repayments.