Why homeowners choose secured loans in 2025
What Is a Secured Loan?
A secured loan is borrowing that’s backed by an asset — usually your home. It allows you to borrow larger amounts, often at lower interest rates, because the lender has the added reassurance of security.
Think of it as unlocking the value tied up in your property without having to remortgage.
Why Are Secured Loans on the Rise?
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Flexible Credit Criteria
Unlike personal loans, secured lenders look at the bigger picture — not just your credit score. This makes them more accessible for self-employed individuals, those with past credit issues, or complex income. -
Larger Borrowing Potential
Need £25,000? £50,000? Even £250,000? Secured loans make it possible — especially useful for home improvements, debt consolidation, or business funding. -
Lower Monthly Repayments
Because secured loans are often repaid over a longer period, your monthly costs can be significantly lower compared to unsecured credit or credit cards.
Who Are Secured Loans Right For?
You might benefit from a secured loan if you:
- Own your home (with or without a mortgage)
- Want to borrow £10,000 to £500,000+
- Prefer lower repayments over a longer term
- Have been declined for unsecured loans or remortgages
Is Your Home at Risk?
Like any financial product, secured loans aren’t right for everyone. Because your home is used as collateral, it’s essential to keep up with repayments.
That’s why working with a responsible broker — like us at Secured Loan Finder — is key. We’ll guide you through your options and only recommend what’s genuinely suitable.
Final Thoughts: Know Your Options
In 2025, secured loans are one of the fastest-growing solutions for UK homeowners seeking flexible funding. With the right advice, they can offer a powerful alternative to traditional lending.
Curious how much you could borrow?
Use our free loan checker to get personalised quotes with no impact on your credit score.