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7 Best Secured Loan Brokers in 2026

Secured loans remain a key borrowing option for UK homeowners, with over £8 billion issued in second-charge lending in 2025 alone.

These loans, backed by property, allow access to larger sums and longer terms – especially for those with complex credit or income. In this guide, we’ll review 7 of the best secured loan brokers in 2026, comparing fees, loan sizes, processing times, and borrower flexibility to help you find a broker that fits your situation.

TL;DR:

Reviewed 7 top secured loan brokers in 2026
KIS Finance leads for low fees and full-market access
Loan amounts range from £3,000 to £2.5 million
Terms up to 35 years available
Options for adverse credit and complex income
Fully digital and hybrid application processes covered

How we established the ranking

Our editorial team evaluated secured loan brokers in 2026 using a structured assessment process focused on transparency, accessibility, and product suitability. Each broker was reviewed using publicly available data, internal comparisons, and platform-specific disclosures.

Our evaluation criteria were:

Breadth of secured loan products and lender panel access
Flexibility for adverse credit, self-employed, and non-standard income
Customer service availability (including direct and broker-assisted models)
Loan amounts, terms, and maximum loan-to-income (LTI) ratios
Speed of approval and completion timelines
Availability of online tools such as repayment calculators or document portals

Compare the top secured loan brokers in 2026

The table below offers a snapshot of the main features of each broker, helping you compare loan amounts, terms, fees, and standout strengths in one place.

Broker	Loan Amount	Term	Broker Fee	Best For
KIS Finance	£5,000 – £2.5M	3 – 35 years	Capped; varies	Full market access with adverse credit cases
Loan.co.uk	£10,000 – £1.5M	3 – 25 years	Fixed; £1,080–£2,360	Transparent pricing and digital processing
Pepper Money	£10,000 – £1M	3 – 30 years	Set by intermediary	Complex credit and flexible ERCs
Central Trust	£10,000 – £250,000	3 – 25 years	£0 (direct); varies via brokers	Manual underwriting with poor credit
Norton Finance	£3,000 – £500,000	1 – 25 (up to 35)	Up to 12.5%, capped at £4,950	Low entry amounts and broad applicant types
Blueberry	£10,000 – £1M+	3 – 30 years	Variable	Personalised advice with in-person options
LoanPig	£5,000 – £250,000	3 – 30 years	Varies by lender	Fully digital secured loan applications

1. KIS Finance

KIS Finance are leading secured loan brokers operating across the UK, specialising in second-charge lending for homeowners. The firm works on a whole-of-market basis, sourcing secured loans from a wide panel of mainstream and specialist lenders. Applications cover standard cases as well as adverse credit, complex income, and high loan-to-value scenarios. KIS Finance consistently ranks among the best secured loan brokers in 2026 due to pricing transparency, lender access, and execution speed.

Loan Amount: £5,000 to £2.5 million
Broker Fee: 0% on equity release; secured loan fees vary, typically capped
Term: 3 to 35 years

Key features:

Whole-of-market access to UK secured loan lenders
Support for adverse credit, self-employed, and non-standard income
High loan-to-value options, including specialist cases
Fast decisions in principle and streamlined completion timelines
Advanced secured loan calculator for repayment modelling

2. Loan.co.uk

Loan.co.uk are UK-based secured loan brokers providing access to over 130 lenders through their digital platform. The company operates on a fixed-fee model, offering second-charge loans with no upfront costs and built-in property valuations. Applications are managed entirely online with automated affordability assessments.

Loan Amount: £10,000 to £1.5 million
Broker Fee: From £1,080 to £2,360 depending on loan size
Term: 3 to 25 years

Key features:

Digital-first secured loan application process
Integrated property valuation and legal services
Fixed broker fee structure disclosed upfront
Broad lender access including high-street and specialist lenders

3. Pepper Money

Pepper Money are specialist lenders offering secured loans through intermediaries across the UK. They focus on complex cases including borrowers with adverse credit, non-traditional income, or higher LTV requirements. Loans are structured with flexible underwriting criteria and options for no or low early repayment charges.

Loan Amount: £10,000 to £1 million
Broker Fee: Set by broker; Pepper does not charge consumers directly
Term: 3 to 30 years

Key features:

Secured loans distributed via approved broker networks
No/low early repayment charge products
Manual underwriting for complex credit profiles
Up to 100% LTV in selected cases

4. Central Trust

Central Trust are UK lenders offering secured loans directly or via intermediaries, focusing on applicants with poor or limited credit history. The lender allows for manual assessments and accepts a range of income types including benefits and self-employment. Loans are available on fixed or variable interest rates secured against residential property.

Loan Amount: £10,000 to £250,000
Broker Fee: £0 (direct); variable via brokers
Term: 3 to 25 years

Key features:

Direct application route without broker fees
Accepts poor credit and complex income cases
Manual underwriting for non-standard affordability
90% maximum loan-to-value ratio

5. Norton Finance

Norton Finance are secured loan brokers and lenders, offering access to a wide panel of second-charge mortgage products. The company caters to both standard and adverse credit applicants, with loan amounts starting from lower thresholds than many competitors. Products are arranged on fixed or variable rates with flexible repayment options.

Loan Amount: £3,000 to £500,000
Broker Fee: Up to 12.5%, capped at £4,950
Term: 1 to 25 years (up to 35 with some lenders)

Key features:

Loans available from £3,000
Access to specialist lenders for adverse credit
Works with employed, self-employed, and benefit income
Fixed and variable rate options depending on lender

6. Blueberry

Blueberry are UK mortgage brokers offering secured loans alongside wider lending services. The firm uses a client-facing advisory model with flexible meeting options and a focus on personalised service. Applications are processed manually with access to a full panel of secured loan lenders.

Loan Amount: £10,000 to £1 million+
Broker Fee: Variable, disclosed on quote
Term: 3 to 30 years

Key features:

Home, office, or remote consultations
Personalised advice for secured loan selection
Access to mainstream and specialist lenders
Manual processing and documentation review

7. LoanPig

LoanPig operate as both secured loan brokers and direct lenders, using a digital platform to match borrowers with appropriate lenders. The company offers secured loans to applicants with varying credit profiles through an entirely online process. Affordability checks are built into the platform to filter loan eligibility.

Loan Amount: £5,000 to £250,000
Broker Fee: Varies by lender; no upfront charges
Term: 3 to 30 years

Key features:

100% online application and decision process
High acceptance rates for a broad range of profiles
No phone calls or in-person meetings required
Secure platform with built-in affordability checks

Final Thoughts

Secured loan brokers in 2026 play a central role in helping homeowners access second-charge finance tailored to their credit history, income type, and equity position. With increasing product diversity and lender specialisation, choosing the right broker affects not only approval chances but also long-term repayment costs.

Among available options, KIS Finance stands out for combining broad lender access with capped fees and support for non-standard cases. For borrowers comparing offers or navigating complex profiles, using a broker with transparent processes and flexible underwriting access remains the most practical route.

Disclaimer: The information provided in this article is for general informational purposes only. Anyone considering taking out a loan, whether secured or unsecured, is strongly advised to seek independent financial advice. The individuals mentioned in this feature have no association with, or connection to, Luxe magazine or Allies Group

Frequently Asked Questions

What is a secured loan broker?

A secured loan broker is an intermediary that matches borrowers with lenders offering second-charge mortgages or homeowner loans secured against property. Brokers assess financial details, credit status, and equity to identify suitable lenders and products.

How do secured loan brokers work in 2026?

In 2026, most secured loan brokers operate digitally or via hybrid advisory models. They collect income, credit, and property information, run affordability checks, and access lender panels to present matched options.

What are typical broker fees for secured loans?

Broker fees in 2026 typically range from 5% to 12.5% of the net loan, often capped between £3,000 and £5,000. Fees are usually added to the loan and paid on completion.