Secured loans of £20k - £1m over 3 to 35 years.


You can borrow for most reasons, with deals from our wide range of lenders.

Quickly and simply check rates, with no impact on your credit score.

Even if you have been turned down elsewhere, we may be able to help (criteria apply).

piggy bank to raise funds with the loans engine

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.

Representative Example: Based on borrowing £34,500 over 25 years with 60 monthly repayments of £454.66 followed by 240 monthly payments of £483.97. Annual Interest Rate 6.38% fixed for five years, then variable. Representative APRC 7.7%, total amount repayable £143,527.40. Includes a broker fee of £2,995, and lender fees of £595.

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 35 years

Terms up to 35 years

We offer terms of 3-35 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:

"Superb service , taking away any stress by keeping you fully informed of the progress."

Mr B, Thatcham
01 Jun 2021

"Excellent from start to finish, explaining everything in detail, top job."

Mr L, Uxbridge
26 May 2021

"TLE were really on top of things from start to finish...All in all they were very professional and I wouldn't hesitate to use them again or recommend them."

Mr D, London
25 May 2021

"The Loans Engine were fantastic. I was so impressed with their swift service and a special mention goes to Holly"

Mr H, Edenbridge
14 May 2021

Read more reviews >>

Our loans

secured loans, homeowner loans, second mortgages

Secured loans

Borrow up to £1m, 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 3-35 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 £30k

Find out more information and get your quick quote here:

Find out more >>

bridging finance

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

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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.