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The Loans Engine

View secured loan rates online in 60 seconds - over 600 products available.


We offer fixed, tracker and variable rates.

Our loan search won't affect your credit score.

We can often help when high street banks can't (criteria applies).

Feefo Platinum Service Award

Loans are secured - your home may be repossessed if you do not keep up repayments.

Rates from 3.95% (fixed for 5 years)
Representative APRC 6.3%

Representative Example: Based on borrowing £30,990 over 16 years with 60 monthly repayments of £218.00 followed by 132 monthly payments of £233.64. Annual Interest Rate 3.95% fixed for 5 years, then variable. Representative APRC 6.3%, total amount repayable £42,600.59. Includes a broker fee of £2,995, and lender fee of £995.
Loans are secured against property - Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
We are a loan broker Authorised and Regulated by the Financial Conduct Authority.

Why choose The Loans Engine?

Feefo Platinum Service Award
Over 700 products

Over 600 products

We have products with no early repayment charges, we offer fixed as well as variable rates, giving you the peace of mind that your monthly repayment will stay the same.

flexible product criteria

Flexible product criteria

We consider most credit profiles and income types. So, you may get a solution you would not get elsewhere.

competitive rates

Competitive rates

We will help you get the lowest cost secured loan available to you, considering your personal circumstances.

quick quote

Quick quote

Get fast access to today's rates online, with no impact on your credit score. Call our team to discuss your chosen product and apply.

terms up to 30 years

Terms up to 30 years

We offer terms of 3-30 years so you can spread your repayments, to help reduce your monthly outgoings.

highly rated service

Highly rated service

With over 30 years in the industry, you can expect world class service from an experienced and friendly team.

What our customers say about us


Feedback gathered from our clients by independent review site, Feefo:

"Very helpful in finding the best product for my finances, kept me updated all the way. Always on hand to answer any questions, nice friendly staff."

Mr H, Widnes
07 Jul 2022

"Excellent service."

Mr M, Cheshunt
29 Jun 2022

"Really good company, kept us updated along the way with calls and emails."

Mr S, Banstead
23 Jun 2022

"Fantastic from start to finish. Highly recommend."

Mr B, Worthing
21 Jun 2022

Read more reviews >>

Our loans

secured loans

Secured loans

Borrow up to £500k, with a loan secured on your home.

Secured loans are also known as Homeowner loans, or Second charge mortgages.

There are over 600 deals on offer, from a wide range of lenders. Terms are available from 3-30 years. This allows you to spread the cost of home improvements or a select a shorter repayment term to keep the cost of finance down.

You can choose between fixed and variable rates. We can even offer products without early repayment charges. Use the flexibility of the deals available to suit your needs.

Our quick quote calculator will give you live rates within minutes. Your credit score will not be affected.

Or, call our team of experts to find the right deal for you. No phone menus. You will get straight through to an advisor.

To qualify for a secured loan you must meet the following criteria:

  • Be a UK resident and own your own property
  • Be aged 18-85 with a minimum income of £15k

Find out more information and get your quick quote here:

Find out more >>

bridging loans

Bridging finance

Bridging loans can be an appropriate short-term finance solution, typically over 12-24months for those in need of raising finance quickly when traditional borrowing options are unavailable.

For example funding refurbishments or repairs to make the property mortgageable, securing a property purchase where your own sale has fallen through or even fast access to cash for landlords and property investors.

It is always important to ensure you have a robust exit strategy to repay the loan at the end of the term, whether you are selling your property, or moving to alternative finance.

Discover more about bridging loans and enquire

Discover more >>

buy to let secured loans

Buy to let secured loans

These solutions are similar to secured loans, the main difference is that a rental property you own is taken as security against the loan.

Buy to let secured loans are flexible borrowing options that can be used for a range of purposes including: refurbishments, deposit for a second property, tax bills, business investments and many more.

We have a wide range of solutions on offer, with both fixed and variable interest rates available.

Borrowing terms are flexible around your needs, with options available for longer or shorter repayment periods.

Discover more information on buy to let secured loans

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specialist mortgages

Specialist mortgages

Specialist mortgages provide alternative purchase and re-mortgage solutions to customers with complex circumstances.

We have a range of solutions available with a variety of repayment terms and interest rates.

The options available can assist people with: bad credit, low income, self-employed status, buying schemes and gifted deposits.

So, if you’ve been rejected by the high street for a purchase or re-mortgage product, a specialist mortgage could be the right solution for you.

Learn more about our specialist mortgage solutions

Find out more >>

commercial mortgages

Commercial mortgages

A commercial mortgage is suitable for business owners or property investors who are keen to purchase or remortgage a commercial premises.

Solutions are available from £40,000, with terms ranging from 2 to 30 years.

There are options available for both commercial and semi-commercial properties, so you can find a solution that fits comfortably around your plans.

So whether you’re looking to expand / refinance a current business or buy a new one, we can help you!

See more information on our commercial and semi-commercial mortgage options

See more options >>

buy to let mortgages

Buy to let mortgages

Experienced and first time landlords can use our range of buy to let mortgages to purchase or re-mortgage rental properties.

Support is available for a variety of rental property types including: standard houses or flats, HMOs, MUFBs or holiday lets. Therefore we have a diverse range of solutions on offer, so we may have the right option for you.

Flexible borrowing terms are available ranging from 1 to 30 years, with loan sizes from £10,000 up to £5,000,000.

Get further details on our buy to let mortgage deals

Get more information >>

development finance

Development finance

Development finance is for investors who need funds to assist with residential or commercial property projects.

This borrowing solution offers property investors a fast and flexible option, which they can rely on when they need to respond quickly to new investment opportunities.

Our options start at £100,000 and have no limit on the maximum borrowing amount, giving you the freedom to comfortably cover the cost of your investments.

We have a variety of lenders available who have different interest rates and repayment terms on offer.

Learn more about the options available to you

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calendar showing the loans engine has a long history

Over 28 years of experience

We have a long-standing history helping clients like you. As a specialist, you may get a solution from us you have not found elsewhere.

Our team are UK-based, experts in their field. They will search the market for an affordable and suitable solution for you.

Call and get straight through to the team. We want to help you make a confident borrowing decision.

More information >>

Easy application process


Applying for a loan is easy.

Simply call our team for free on 0800 032 4646

Or, complete our quick online form to check rates, with no impact on your credit score.

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