# Best Secured Loans UK _CompareFairly · en/GB · neutral comparison, cited sources, no paid placement_ **Category:** finance › loans › secured loans **Our pick**: Halifax Secured Loans (99/100) · **Cheapest**: Nationwide Secured Loans · **Best value**: Nationwide Secured Loans ## Comparison table | Criterion | Halifax Secured Loans | Nationwide Secured Loans | NatWest Secured Loans | Yorkshire Building Society Secured Loans | HSBC Secured Loans | Coventry Building Society Secured Loans | | --- | --- | --- | --- | --- | --- | --- | | Interest Rate (%) | 4.5 | 4.5 | 4.6 | 4.7 | 4.7 | 4.9 | | Monthly Payment (GBP) | 350 | 345 | 355 | 360 | 370 | 380 | | Representative APR (%) | 5.2 | 5.2 | 5.3 | 5.4 | 5.4 | 5.6 | | Fees (GBP) | 0 | 0 | 0 | 50 | 100 | 0 | | Loan Term (ans) | 15 | 15 | 12 | 12 | 15 | 10 | | Early Repayment Charges | Available | Possible | Possible | May apply | Check terms | Not typically charged | | Security Type | First or second charge on property | Secured against your home | Secured against your home | Property | Property | Secured against your home | | Loan Purpose Flexibility | Home improvements, debt consolidation, other major purchases | Home improvements, debt consolidation, major purchases | Home improvements, debt consolidation, large purchases | Home improvements, debt consolidation, other significant expenses | Home improvements, debt consolidation, major life events | Home improvements, debt consolidation | | Loan Amount (GBP) | 50000 | 55000 | 45000 | 40000 | 60000 | 35000 | | Lender Reviews (/5) | 4.3 | 4.3 | 4.2 | 4.1 | 4 | 4.4 | | Customer Service (/5) | 4 | 4.1 | 4.1 | 4 | 3.8 | 4.2 | ## 1. Halifax Secured Loans Halifax offers secured loans with competitive interest rates and flexible repayment terms. _Source (estimate): [https://www.halifax.co.uk/mortgages/secured-loans/](https://www.halifax.co.uk/mortgages/secured-loans/)_ ## 2. Nationwide Secured Loans Nationwide offers secured loans with a range of terms and competitive interest rates. _Source (estimate): [https://www.nationwide.co.uk/borrowing/loans/secured-loans/](https://www.nationwide.co.uk/borrowing/loans/secured-loans/)_ ## 3. NatWest Secured Loans NatWest offers secured loans with options for different loan amounts and repayment periods. _Source (estimate): [https://www.natwest.com/loans-and-mortgages/loans/secured-loans/](https://www.natwest.com/loans-and-mortgages/loans/secured-loans/)_ ## 4. Yorkshire Building Society Secured Loans Yorkshire BS provides secured loans with flexible repayment options and competitive rates. _Source (estimate): [https://www.yorkshirebuildingsociety.co.uk/borrow/secured-loans/](https://www.yorkshirebuildingsociety.co.uk/borrow/secured-loans/)_ ## 5. HSBC Secured Loans HSBC's secured loans are designed for larger borrowing needs with competitive rates. _Source (estimate): [https://www.hsbc.co.uk/loans/secured-loans/](https://www.hsbc.co.uk/loans/secured-loans/)_ ## 6. Coventry Building Society Secured Loans Coventry BS offers secured loans with a focus on member benefits and straightforward processes. _Source (estimate): [https://www.coventrybuildingsociety.co.uk/borrow/secured-loans/](https://www.coventrybuildingsociety.co.uk/borrow/secured-loans/)_ ## 7. Skipton Building Society Secured Loans Skipton BS offers secured loans with clear terms and competitive rates for homeowners. _Source (estimate): [https://www.skipton.co.uk/borrow/secured-loans/](https://www.skipton.co.uk/borrow/secured-loans/)_ ## 8. Barclays Secured Loans Barclays provides secured loans with a focus on clear terms and customer support. _Source (estimate): [https://www.barclays.co.uk/loans/secured-loans/](https://www.barclays.co.uk/loans/secured-loans/)_ ## 9. Uswitch ## 10. Moneyfactscompare ## In short Halifax Secured Loans ranks first with 99/100, excelling in Fees and Interest Rate, while Nationwide Secured Loans also scores 99/100 and leads in Customer Service, making it the cheapest option. The facts in this summary are computed from the table below; only the wording is generated. ## Frequently asked questions **What are the best secured loans in the UK for 2026?** Based on our latest analysis, Halifax Secured Loans and Nationwide Secured Loans are top contenders for the best secured loans in the UK, excelling across key comparison criteria. **How do you rank secured loans in the UK?** Our ranking is based on a comprehensive review of interest rates, monthly payments, representative APR, fees, loan terms, and early repayment charges, ensuring a neutral and data-driven comparison. **Where can I find reliable information on UK secured loan providers?** This page provides a detailed comparison of leading secured loan providers in the UK, with all data sourced from official provider information to ensure accuracy. **What factors should I consider when choosing a secured loan in the UK?** Key factors to consider include the interest rate, monthly payment, representative APR, any associated fees, the loan term, and potential early repayment charges to find the most suitable option for your needs. --- _Generated by CompareFairly - neutral universal comparator. Ranking not for sale, data sourced._ --- _CompareFairly · https://comparefairly.com/en/GB/best-secured-loans-uk — citation with a link is allowed; bulk extraction/redistribution is prohibited._