High LTV Secured Loans
Secured Loans with little or no equity
Specialist whole-of-market lending solutions structured across 90+ UK lenders. Rapid decisions, direct underwriting criteria, and competitive terms for complex borrowing requirements.
- Whole-of-Market Access: Over 10,000 specialist lending products
- Fast Completion Speeds: Dedicated broker underwriting for time-sensitive deals
- FCA-Authorised Guidance: 35+ years independent UK credit brokerage
Secured Loans with little or no equity
Over recent weeks a number of high LTV secured loans have come to the market – the latest (today) is 95% LTV from Shawbrook.
With property prices static these new loans are very welcome and provide improved solutions for people wanting to consolidate expensive credit or carry out improvements to their home.
I thought a reminder of the high LTV options might be helpful.
Shawbrook – 95% LTV – Rate 21.9% – max loan £20,000 – 6 X income multiple
Nemo – 90% LTV – Rate 14.004% – Max loan £60,000 – 6 X income multiple
Lesley Stephens – 95% LTV – (up to £100% on referral) Rate 29.9% and maximum loan £15,000 (£20,000 on referral)
Specialist lender – 85% (80% with 1 adverse unit) – Rates from 14.9%, loans above £50,000 on referral – income based on affordability ( no multiples)
Evolution and 1st Stop – up to 125% LTV (any beyond) – Mild adverse considered – Rates from circa 30% – max loan £10,000 – will take third charge
Don’t forget unsecured – up to £25,000 – Rate from 8.8% – clean clients only – homeowners or tenants
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Whole-of-Market Guidance for Minimal Equity Secured Loans
Securing competitive terms on minimal equity secured loans requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.
Consequently, reviewing your minimal equity secured loans options with an FCA-authorised specialist credit broker ensures whole-of-market access while avoiding unnecessary fees and delays.
Specialist Underwriting & Whole-of-Market Access
Because specialist lending facilities require bespoke underwriting, comparing lenders across the UK is essential. Explore our complete guide to Specialist Lending Desk to understand how different lending criteria apply to your requirements.
Promise Money is an independent credit broker authorised and regulated by the Financial Conduct Authority (FRN 681423). Our experienced team reviews your specific circumstances to secure optimal terms across 90+ UK lenders.
Key Takeaways: Minimal Equity Secured Loans Checklist
Additionally, property valuations can often be expedited using automated models, significantly reducing upfront costs and surveyor delays.
Furthermore, specialist secured loan lenders assess affordability using total household income and realistic expenditure assessments.
Consequently, homeowners can secure substantial borrowing amounts even with historic credit blips or non-standard employment income.
Therefore, working with Promise Money ensures you compare optimal rates and terms across 90+ UK specialist lenders.
Specifically, flexible repayment options—including fixed, variable, and interest-only structures—can be tailored to your monthly budget.
Moreover, your existing low-rate primary mortgage remains 100% untouched, avoiding early repayment charges.
In addition, loan proceeds can be used for home improvements, debt consolidation, tax bills, or major personal investments.
Crucially, borrowers facing adverse credit, defaults, or past CCJs can secure competitive homeowner loan terms through our panel.
In practice, our dedicated loan advisers manage the entire application from initial quote through to fund release.
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Meet our specialist team
Learn about our 35 year story >
Steve Walker
Managing Director – 40 years of experience
Founding chairman of the Corporation of Finance Brokers. Specialist in UK residential mortgages, secured loans, and regulated bridging.
Simon Carr
Commercial Director – Proptech
Specialist in complex mortgages, commercial underwriting, and developer finance. Architect of Promise Money’s automated lending tools.