AdminHomeowners across the UK are increasingly turning to secured loans as a way to unlock large sums of money without remortgaging their entire property. Whether it’s for a home renovation, consolidating expensive debt, funding a business, or covering a major life expense, a secured loan lets you borrow against the equity you’ve built up in your home — often at a lower interest rate than an unsecured personal loan, and with a far higher approval rate for applicants who might struggle to get approved elsewhere.
In 2026, secured loan approvals have become faster and more accessible than ever, thanks to a wave of specialist lenders competing for business with streamlined online applications, same-day decisions in principle, and flexible underwriting that looks beyond a simple credit score. But not every lender is created equal. Rates, fees, maximum loan-to-value ratios, and overpayment flexibility vary significantly from one provider to the next, and choosing the wrong one can cost you thousands of pounds over the life of the loan.
This guide breaks down the five secured loan lenders currently approving the most applications in the UK, explains exactly how secured loans work, walks through what affects your chances of approval, and answers the most common questions borrowers ask before they apply.
What Is a Secured Loan and How Does It Work?
A secured loan — sometimes called a homeowner loan or a second charge mortgage — is a form of borrowing where the loan is backed by an asset, almost always your home. Because the lender has the legal right to repossess and sell your property if you fail to keep up repayments, they’re taking on significantly less risk than they would with an unsecured loan. That reduced risk is passed on to you in the form of lower interest rates, larger borrowing limits, and a greater willingness to approve applicants with imperfect credit histories.
Secured loans sit as a “second charge” behind your existing mortgage. This means that if your property is ever repossessed and sold, your primary mortgage lender gets paid first, and the secured loan provider is paid second from whatever equity remains. Because of this order of priority, secured loan lenders pay close attention to how much equity you have in your home — the difference between your property’s current market value and what you still owe on your mortgage.
Most secured loans in the UK range from around £5,000 up to £1 million or more, with repayment terms stretching anywhere from 3 to 35 years depending on the lender. Interest rates are typically offered as a fixed rate for an initial period — commonly two or five years — before reverting to a higher variable “reversionary” rate unless you remortgage or refinance the secured loan at that point.
Why Homeowners Choose Secured Loans Over Other Borrowing Options
There are several reasons secured loans have grown in popularity among UK homeowners in 2026:
Larger loan amounts. Because the loan is backed by property, lenders are comfortable offering far more than the £25,000–£35,000 ceiling typical of unsecured personal loans. Some secured loan providers will lend up to £1 million to borrowers with sufficient equity.
Lower interest rates than unsecured credit. Since the lender’s risk is reduced by the security of your home, secured loan rates are usually meaningfully lower than unsecured personal loan or credit card rates, particularly for larger borrowing amounts.
More flexible underwriting. Secured loan lenders often place less weight on your credit score and more on your available equity, making this route accessible to self-employed applicants, those with historic credit issues, or people whose income doesn’t fit neatly into a standard employed-PAYE profile.
Avoiding a full remortgage. If you’re locked into a competitive mortgage rate, remortgaging to release equity could mean losing that rate and paying an early repayment charge on your existing mortgage. A secured loan lets you borrow against your equity while keeping your first mortgage untouched.
Debt consolidation. Many borrowers use secured loans to consolidate multiple high-interest debts — credit cards, store cards, unsecured loans — into a single, lower monthly repayment, although this typically extends the overall repayment period and total interest paid.
The Top 5 Secured Loan Lenders Approving Applications in the UK (2026)
Below is a closer look at five of the leading secured loan providers currently active in the UK market, based on their advertised rates, loan sizes, terms, and eligibility criteria.
1. Pepper Money
Pepper Money has built a reputation as one of the most competitively priced secured loan lenders in the UK, particularly for borrowers seeking a large loan against a higher-value property.
Headline rates: 5.65% fixed for five years, or 6.2% fixed for two years. Loan amount: £5,000 to £1 million. Term length: 3 to 30 years. Product fee: £595. Eligibility: No minimum income requirement is stated, though affordability checks still apply. The minimum property value accepted is £100,000.
Pepper Money’s headline appeal is straightforward: among the lowest fixed rates currently available on the secured loan market, combined with a comparatively low product fee and the ability to make unlimited overpayments without penalty during the fixed period. The maximum loan size of £1 million also makes Pepper Money a strong contender for homeowners with substantial equity who need to borrow a significant sum.
The trade-off is what happens after the fixed period ends. Pepper Money’s reversionary rate sits at 9.55% — considerably higher than the initial fixed rate — so borrowers need a clear plan for what they’ll do once the fixed term expires, whether that’s remortgaging the secured loan, paying it off, or accepting the higher rate. Early repayment charges also apply if you clear the loan in full before the fixed period is up, so this isn’t necessarily the best option if you expect to pay off the loan early.
Best suited for: Homeowners who want the lowest possible fixed rate on a large loan and are comfortable planning ahead for what happens once the fixed term ends.
2. United Trust Bank
United Trust Bank distinguishes itself with the longest available repayment term on this list, making it a strong option for borrowers who prioritise lower monthly repayments over a shorter overall term.
Headline rates: 5.69% fixed for five years, or 6.19% fixed for three years. Loan amount: £25,000 to £500,000. Term length: 3 to 35 years — the longest term offered among the lenders covered here. Product fee: £995. Loan-to-value: Up to 85%.
The combination of a high maximum loan-to-value ratio and an exceptionally long repayment term makes United Trust Bank particularly attractive to homeowners who have less equity relative to their property value but still need to borrow a meaningful sum. Stretching repayments over up to 35 years significantly reduces the monthly repayment amount compared to a shorter-term loan of the same size, which can make a real difference to affordability assessments and day-to-day budgeting.
The main limitation is that United Trust Bank only permits fee-free overpayments of up to 10% of the outstanding balance each year. Borrowers who come into a lump sum and want to clear a large portion of the loan early may find themselves facing early repayment charges beyond that 10% threshold.
Best suited for: Homeowners with a higher loan-to-value need who want the lowest possible monthly repayment by spreading the loan over a longer term.
3. Tandem Bank
Tandem Bank offers a well-rounded secured loan product that balances competitive pricing with meaningful borrowing power for homeowners with strong equity positions.
Headline rate: 5.79% fixed for five years. Product fee: £1,295. Loan-to-value: Up to 75%. Term length: 5 to 25 years.
Tandem’s rate sits close to the top of the market in competitiveness, and its loan-to-value ceiling of 75% gives homeowners with solid equity a reasonable amount of borrowing headroom. The five-to-25-year term range covers most typical borrowing scenarios, from shorter-term debt consolidation plans to longer-term home improvement financing.
Where Tandem is less competitive is its product fee, which at £1,295 is noticeably higher than several rivals on this list. Borrowers taking out smaller loan amounts should factor this fixed fee into their overall cost comparison, since it represents a larger proportional cost on a smaller loan. Early repayment penalties also apply, so Tandem is best suited to borrowers who intend to stay within the fixed term.
Best suited for: Homeowners with strong home equity who want a mid-range term and are less sensitive to a higher upfront product fee.
4. Interbridge Mortgages
Interbridge Mortgages stands out for its flexibility on overpayments and its willingness to lend at higher loan-to-value ratios for qualifying applicants.
Headline rates: 5.89% fixed, available on both two-year and five-year fixed terms. Product fee: £995. Loan-to-value: 65% standard, rising to as much as 95% for eligible applicants. Term length: 3 to 30 years.
The standout feature of Interbridge Mortgages is the unlimited overpayment allowance, which gives borrowers real flexibility to pay down their loan faster without being penalised, provided they don’t fully clear the loan mid-term. Combined with a competitive fixed rate and the possibility of borrowing up to 95% loan-to-value for the right applicant profile, Interbridge is a strong option for homeowners who don’t have significant spare equity but still need to borrow against what they have.
As with most secured loans on this list, early repayment charges apply if the loan is repaid in full before the fixed term ends, so borrowers need to be confident in their ability to manage the loan across the full fixed period, or accept the cost of exiting early.
Best suited for: Homeowners with limited equity who need a high loan-to-value option, and who want the flexibility to overpay when they can without penalty.
5. Selina Finance
Selina Finance rounds out this list with a secured loan product designed for borrowers who want a lower cost once the initial fixed rate period ends.
Headline rate: 5.94% fixed for five years. Loan amount: £10,000 to £1 million. Product fee: £995. Loan-to-value: Maximum of 50%.
Selina Finance’s key advantage lies in what happens after the fixed period: its reversionary rate of 7.59% is considerably lower than several competitors, meaning borrowers who don’t refinance immediately once the fixed term ends won’t see as sharp a jump in their repayments. Combined with a relatively low product fee and a wide loan amount range extending up to £1 million, Selina is a solid all-round option for borrowers with substantial equity.
The main constraint is the maximum loan-to-value ratio of 50%, which is considerably more conservative than most of the other lenders on this list. This makes Selina Finance most suitable for homeowners who have a significant amount of equity relative to their property value, rather than those looking to borrow against a smaller equity cushion.
Best suited for: Homeowners with substantial equity who want a lower reversionary rate and are less concerned with maximising their loan-to-value ratio.
Comparing the Top 5 Secured Loan Lenders at a Glance
| Lender | 5-Year Fixed Rate | Loan Amount | Max LTV | Term | Product Fee |
|---|---|---|---|---|---|
| Pepper Money | 5.65% | £5,000–£1m | Not specified | 3–30 years | £595 |
| United Trust Bank | 5.69% | £25,000–£500,000 | 85% | 3–35 years | £995 |
| Tandem Bank | 5.79% | Not specified | 75% | 5–25 years | £1,295 |
| Interbridge Mortgages | 5.89% | Not specified | 65% (up to 95%) | 3–30 years | £995 |
| Selina Finance | 5.94% | £10,000–£1m | 50% | Not specified | £995 |
As the table shows, the differences between the top lenders’ headline rates are relatively small — often less than half a percentage point separates the cheapest from the most expensive on this list. This means the product fee, maximum loan-to-value ratio, overpayment allowance, and reversionary rate often matter just as much as the headline rate itself when deciding which lender is the better overall deal for your circumstances.
What Affects Your Chances of Secured Loan Approval
Secured loan lenders assess applications differently from unsecured personal loan providers. While your credit history still plays a role, several other factors carry significant weight:
Available equity. This is the single biggest factor. Lenders calculate your loan-to-value ratio by adding your existing mortgage balance to the new secured loan amount and dividing that by your property’s current market value. The lower this percentage, the more comfortable a lender will be approving your application, and often the better rate you’ll be offered.
Property value and type. Most secured loan lenders set a minimum property value, and some restrict lending on non-standard construction types, leasehold properties with short remaining terms, or properties above commercial premises. A recent, professional valuation gives lenders confidence in the security behind the loan.
Affordability. Lenders will assess your income against your existing financial commitments, including your mortgage, any other secured or unsecured debts, and everyday living costs, to ensure the new loan repayments are genuinely affordable rather than just technically approvable.
Credit history. While secured loan lenders are generally more forgiving of past credit issues than unsecured lenders, a pattern of recent missed payments, defaults, or County Court Judgments can still affect both your approval odds and the rate you’re offered. Some specialist lenders on this list, and others in the wider market, specifically cater to borrowers with adverse credit, though usually at a higher rate to reflect the additional risk.
Purpose of the loan. Some lenders ask what the loan is for, and certain purposes — such as unregulated business investment — may be treated differently from more standard purposes like home improvements or debt consolidation.
Existing mortgage arrangement. Because a secured loan sits behind your primary mortgage, some first mortgage lenders require you to obtain their consent before taking out a second charge loan. It’s worth checking your mortgage terms, or asking a broker to check on your behalf, before applying.
How to Improve Your Chances of a Successful Application
A few practical steps can meaningfully improve both your approval odds and the rate you’re offered:
Keep your loan-to-value ratio as low as realistically possible. Borrowing less relative to your property’s value not only improves your approval chances but often unlocks better rates, since you represent lower risk to the lender.
Check your credit report before applying, and correct any errors. Even where lenders are more flexible about credit history than unsecured providers, an inaccurate negative mark on your file can needlessly work against you.
Avoid taking on new credit commitments in the months before you apply. Additional debt increases your existing outgoings and can push your affordability assessment in the wrong direction.
Compare the total cost, not just the headline rate. Factor in the product fee, any broker fee, valuation costs, and the reversionary rate you’ll face once the fixed period ends, rather than focusing solely on the advertised rate.
Consider using a specialist secured loan broker. Because eligibility criteria and pricing vary so significantly between lenders, a broker who has access to the whole of the secured loan market can often match you to a lender you might not have found or qualified with directly, and may also have access to exclusive rates not available to the public.
Secured Loans vs Other Borrowing Options
It’s worth briefly comparing secured loans against the alternatives to make sure it’s genuinely the right fit for your situation.
Secured loan vs remortgaging. Remortgaging replaces your entire existing mortgage with a new, larger one. This can sometimes secure a lower blended rate than a secured loan, but it means giving up your current mortgage deal — which may carry an early repayment charge — and re-underwriting your whole mortgage rather than just the additional amount. A secured loan avoids disturbing your existing mortgage entirely.
Secured loan vs unsecured personal loan. Unsecured loans don’t put your home at direct risk and usually have a faster, simpler application process, but they come with lower borrowing limits — typically capped around £25,000–£35,000 — and higher interest rates, particularly for larger amounts or applicants with a less-than-perfect credit history.
Secured loan vs further advance from your existing mortgage lender. A further advance is essentially borrowing more from your current mortgage lender under your existing arrangement. It can sometimes be cheaper than a separate secured loan, but not all mortgage lenders offer further advances, and the amount available may be more limited than what a dedicated secured loan provider will offer.
The Risks of Secured Loans
Secured loans carry a risk that unsecured borrowing doesn’t: if you’re unable to keep up repayments, the lender has the legal right to repossess and sell your home to recover what’s owed, after your primary mortgage lender has been repaid. This makes it essential to borrow only what you can comfortably afford to repay, even if a lender is willing to offer you more.
It’s also worth remembering that consolidating unsecured debts into a secured loan converts what was previously unsecured borrowing into debt secured against your home. While this often reduces your monthly outgoings and interest rate, it also means that debts which previously carried no risk to your home now do. This trade-off is worth considering carefully, ideally with independent financial advice, before proceeding.
Step-by-Step: How the Secured Loan Application Process Actually Works
Understanding the mechanics of a secured loan application can make the process feel far less daunting, and can help you avoid unnecessary delays.
Step 1: Initial enquiry and decision in principle. Most lenders, and virtually all brokers, will start with a soft-search decision in principle. This gives you an early indication of how much you might be able to borrow and at what rate, without leaving a mark on your credit file. It typically takes a few minutes online and asks for basic details about your income, existing mortgage balance, property value, and the amount you want to borrow.
Step 2: Full application and documentation. Once you decide to proceed, you’ll need to submit a full application along with supporting documents. This usually includes proof of identity, proof of address, recent payslips or accounts if you’re self-employed, bank statements, and details of your existing mortgage. Self-employed applicants may be asked for two to three years of accounts or an accountant’s certificate.
Step 3: Property valuation. The lender will arrange a valuation of your property, either through a physical inspection or, increasingly in 2026, an automated valuation model for lower-risk cases. This confirms the property is worth what you’ve stated and gives the lender confidence in the security behind the loan.
Step 4: Underwriting. A human or automated underwriter reviews your application, credit history, affordability, and the valuation report to make a final lending decision. This is where the lender checks that the loan is genuinely affordable for you, not simply that you meet minimum eligibility criteria.
Step 5: Legal work. Because a secured loan involves placing a second charge on your property, solicitors are instructed to handle the legal side, including registering the charge with the Land Registry and, where required, obtaining consent from your existing mortgage lender.
Step 6: Offer and completion. Once underwriting and legal work are complete, you’ll receive a formal loan offer setting out the rate, fees, and terms. After you accept, funds are typically released within a few working days.
From initial enquiry to funds in your account, the full process commonly takes between two and four weeks, though it can be faster with lenders who use automated valuations and streamlined underwriting, or slower if your circumstances are more complex.
Worked Examples: How Loan-to-Value Affects What You Can Borrow
Loan-to-value, or LTV, is one of the most important numbers in any secured loan application, so it’s worth understanding exactly how it’s calculated with a couple of practical examples.
Example one. Suppose your property is valued at £300,000, and you currently owe £150,000 on your existing mortgage. If you want to borrow an additional £60,000 through a secured loan, your total borrowing would be £210,000 against a £300,000 property — an LTV of 70%. Most of the lenders covered in this guide would consider this a comfortable application, assuming affordability and credit checks are satisfied.
Example two. Now suppose the same £300,000 property has an existing mortgage balance of £220,000, and you want to borrow a further £50,000. Your total borrowing would reach £270,000 against a £300,000 valuation — a 90% LTV. This would fall outside the range most lenders on this list are comfortable with, since only a couple offer LTVs approaching 85% to 95%, and typically only for the strongest applicant profiles.
Example three. If your property has appreciated in value since you took out your mortgage — say it’s now worth £350,000 against an original mortgage of £150,000 — you have considerably more headroom. Borrowing an additional £100,000 would bring your total borrowing to £250,000 against a £350,000 valuation, a 71.4% LTV, which most lenders would view favourably.
These examples illustrate why keeping track of both your outstanding mortgage balance and your property’s current market value — rather than what you originally paid — is so important before applying for a secured loan.
Secured Loans for Self-Employed Borrowers
Self-employed homeowners are often drawn to secured loans precisely because some mainstream unsecured lenders can be more restrictive about non-PAYE income. Most of the lenders featured in this guide accept self-employed applicants, though the documentation requirements are typically more thorough.
Expect to be asked for two to three years of certified accounts, SA302 tax calculations from HMRC, or an accountant’s reference confirming your income. Lenders will generally look at an average of your income over the past two to three years, rather than relying solely on your most recent or best year, particularly if your income has fluctuated. Some specialist lenders are more willing to consider your most recent year’s figures or your projected income if you can demonstrate a clear upward trend supported by contracts or a strong order book.
If your income is genuinely variable — for example, if you work in a seasonal industry or have irregular contract income — it can be worth speaking to a broker who specialises in self-employed secured loan applications, since they’ll know which lenders on the market take the most pragmatic approach to non-standard income.
Secured Loans for Debt Consolidation: What to Consider
Debt consolidation is one of the most common reasons UK homeowners take out a secured loan, and it’s worth thinking through the trade-offs carefully before proceeding.
On the plus side, rolling several unsecured debts — credit cards, store cards, unsecured personal loans — into a single secured loan can significantly reduce your monthly outgoings, since secured loan rates are usually lower than the rates charged on unsecured revolving credit, and the repayment term is often longer. This can free up monthly cash flow and simplify your finances into a single payment.
On the other hand, extending the repayment term, even at a lower rate, can sometimes mean paying more in total interest over the life of the loan compared to clearing the original unsecured debts more quickly. It’s worth running the numbers on both the monthly saving and the total cost over the full term before deciding.
Perhaps most importantly, consolidating unsecured debt into a secured loan converts debt that previously carried no risk to your home into debt that does. If your financial circumstances were to change and you struggled to keep up repayments, the consequences would now extend to the risk of losing your home, which wasn’t the case when the debt was unsecured. This is arguably the single most important factor to weigh before consolidating debt through a secured loan, and it’s an area where independent financial advice can be genuinely valuable.
Broker vs Going Direct to a Lender
Borrowers often ask whether it’s better to apply directly with a secured loan lender or to go through a broker. Both routes are valid, and the right choice depends on your circumstances.
Going direct can make sense if you already know exactly which lender you want, perhaps because you’ve researched the market and are confident you meet their criteria comfortably. It avoids any broker fee, though many secured loan brokers in the UK are paid by commission from the lender rather than charging the borrower directly, so it’s worth checking a specific broker’s fee structure before assuming it will cost you more.
Using a broker tends to make more sense if your circumstances are complex — for example, if you’re self-employed, have a mixed credit history, need a higher loan-to-value ratio, or simply want to compare the whole market rather than researching each lender individually. A good secured loan broker has access to lenders and products that aren’t always available directly to the public, and can steer you away from an application that’s likely to be declined, which itself can leave a mark on your credit file.
Whichever route you choose, always confirm in writing whether any fee is payable, when it’s due, and whether it’s refundable if your application doesn’t proceed to completion.
Understanding the True Cost of a Secured Loan
It’s easy to focus purely on the advertised interest rate when comparing secured loans, but the true cost of borrowing depends on several factors working together.
The Annual Percentage Rate of Charge, or APRC, is designed to give a more complete picture than the headline rate alone, since it incorporates the interest rate together with the product fee and any other mandatory charges, expressed as a single annualised figure. Comparing the APRC across different lenders, rather than just the headline rate, gives a fairer like-for-like comparison.
The product fee — which ranged from £595 to £1,295 among the five lenders covered in this guide — is sometimes payable upfront and sometimes added to the loan itself. Adding the fee to the loan means you’ll pay interest on it over the life of the loan, which increases the total cost compared to paying it upfront if you’re able to.
The reversionary rate matters just as much as the initial fixed rate, particularly if you don’t plan to remortgage or refinance the moment your fixed period ends. As shown across the lenders in this guide, reversionary rates ranged from 7.59% to 9.55% — a meaningful difference if you end up sitting on that rate for any length of time.
Finally, valuation fees and legal fees are sometimes charged separately, and sometimes bundled into the product fee or offered free as part of a promotional package. It’s worth asking each lender or broker to confirm exactly what’s included before comparing offers side by side.
2026 Market Trends Shaping Secured Loan Lending
The secured loan market has continued to evolve through 2026, shaped by a few key trends worth being aware of as a prospective borrower.
Lenders have increasingly adopted automated valuation models for lower-risk, lower-LTV applications, which has meaningfully shortened approval timescales for straightforward cases. This has made secured loans a genuinely faster option than a full remortgage for many borrowers.
Competition among specialist lenders has kept headline rates relatively close together, as reflected in the narrow spread between the five lenders covered in this guide, which has shifted more of the meaningful differentiation onto fees, maximum loan-to-value ratios, and overpayment flexibility rather than the rate alone.
There has also been a continued rise in lenders offering products specifically designed for self-employed borrowers and those with historic credit issues, reflecting a broader trend across UK lending toward more individualised underwriting rather than rigid, one-size-fits-all criteria.
A Short Glossary of Secured Loan Terms
Second charge mortgage: Another name for a secured loan, reflecting its position behind your primary mortgage in terms of repayment priority.
Loan-to-value (LTV): The total amount borrowed against a property, expressed as a percentage of the property’s value.
Reversionary rate: The interest rate a loan reverts to once an initial fixed or discounted rate period ends, usually higher than the initial rate.
Early repayment charge (ERC): A fee charged if you repay some or all of a loan earlier than the agreed term, common during a fixed rate period.
Decision in principle (DIP): An early, usually soft-search, indication from a lender of how much you might be able to borrow before you submit a full application.
Product fee: An arrangement fee charged by the lender for setting up the loan, which can typically be paid upfront or added to the loan balance.
Frequently Asked Questions
How much can I borrow with a secured loan? Most UK secured loan lenders offer amounts from around £5,000 up to £1 million, depending on your available equity, the lender’s maximum loan-to-value ratio, and your overall affordability assessment.
Do secured loans affect my credit score? Applying for a secured loan will typically involve a credit check, which can leave a mark on your credit file. Making repayments on time can help build a positive credit history, while missed payments will damage your score and put your home at risk.
Can I get a secured loan with bad credit? Many secured loan lenders take a more flexible approach to credit history than unsecured lenders, since the loan is backed by your property. However, a poor credit history may still mean a higher interest rate, a lower maximum loan-to-value ratio, or the need to use a specialist adverse-credit lender.
How long does secured loan approval take? Timescales vary by lender, but many secured loan providers in 2026 offer a decision in principle within minutes online, with full approval and funds released typically within two to four weeks, depending on how quickly the property valuation and legal work are completed.
Is a secured loan the same as a mortgage? A secured loan, also called a second charge mortgage, is similar to a mortgage in that it’s secured against your property, but it sits behind your existing first mortgage rather than replacing it. Your primary mortgage lender is repaid first in the event of repossession, with the secured loan lender repaid second from any remaining equity.
What happens if I want to pay off my secured loan early? Most secured loans on this list, and in the wider market, apply early repayment charges if you clear the loan in full during the fixed rate period. Many lenders do allow a limited amount of penalty-free overpayment each year — often around 10% of the outstanding balance — so it’s worth checking the specific terms before committing to a lender if early repayment is something you’re considering.
Final Thoughts
Choosing the right secured loan lender in 2026 comes down to matching your specific financial situation — how much equity you have, how much you need to borrow, how long you want to spread repayments over, and how much flexibility you want on overpayments — against what each lender is genuinely best at. Pepper Money and United Trust Bank currently offer the most competitive headline rates, Interbridge Mortgages stands out for high loan-to-value flexibility, Selina Finance offers the gentlest landing once the fixed rate ends, and Tandem Bank provides a solid middle-ground option for borrowers with strong equity.
Because rates, fees, and eligibility criteria change regularly, it’s worth getting an up-to-date decision in principle from more than one lender, or speaking to a whole-of-market secured loan broker, before committing to an application.
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