Secured Loans from £10,000+
Loans for Any Purpose
For Homeowners Only
KIS Loans is a finance broker and not a lender. Rates from 5.05%.
Money Expert has partnered with KIS Loans, a trusted UK finance broker, to help you find the right borrowing option for your needs. With extensive experience in specialist finance, such as secured loans and bridging loans, KIS Loans works with a wide panel of reputable lenders to match you with competitive deals tailored to your circumstances.
They consider applicants from a range of credit backgrounds, and checking your eligibility uses a soft search, so it won’t affect your credit score. Their service is free to use and focused on providing clear, personal advice every step of the way.
Authorised and regulated by the Financial Conduct Authority (FCA), KIS Loans acts as a finance broker, not a lender. All finance is subject to status and income.
Secured Loan Representative Example: If you borrow £15,000 over 10 years at an annual interest rate of 6.133% you would make 120 payments of £187.58 per month. The total amount repayable will be £22,509.92 (This includes a lender fee of £595 and a broker fee of £1,200 which have been added to the loan). Total charge for credit will be £7509.92.
Secured loans are a type of borrowing that requires you to provide collateral, such as your home or car, to secure the loan. This collateral serves as a guarantee for the lender, reducing their risk. If you fail to make repayments, the lender may seize the collateral to recover the outstanding balance. Because of this added security, secured loans typically offer lower interest rates and higher borrowing limits than unsecured loans, making them a practical option for financing large purchases or consolidating multiple debts.
A consolidation loan is a type of secured loan that combines multiple debts into one manageable payment, often at a lower interest rate. It allows you to use a new loan to pay off existing debts like credit cards or personal loans, simplifying your finances and potentially lowering your monthly costs. If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
Secured loans offer unique advantages over other types of borrowing by using an asset, usually your home, as collateral. This additional security allows lenders to provide larger amounts, longer repayment terms, and more flexible lending options, often at lower interest rates than unsecured loans.
Unlike unsecured loans, which are typically capped at around £15,000 (with a few lenders offering up to £25,000–£35,000), secured loans can be significantly higher. Depending on the equity available and the lender’s underwriting criteria, loans of over £100,000 are common, making them ideal for major expenses such as home improvements, large purchases, or debt consolidation.
Secured loans can offer repayment periods of up to 30 years, with some lenders even allowing 35-year terms. In contrast, unsecured loans generally have maximum terms of around 7 years, which can make monthly repayments higher and less affordable. Longer terms can make budgeting easier and reduce monthly financial pressure.
Because secured loans are backed by collateral, the lender’s risk is lower. This means they can offer lower interest rates compared to unsecured loans. Secured lenders can also be more flexible when considering applications, approving borrowers who might be declined for unsecured loans due to credit history or previous financial issues. Essentially, the security of the loan allows lenders to take on more risk without significantly increasing the cost to the borrower.
Managing multiple debts can be stressful and expensive. A low-rate consolidation loan can help you take back control by combining your existing credit into one simple, affordable monthly payment. It can reduce your costs, simplify your finances, and even give you extra flexibility for the things that matter most.
By consolidating high-interest debts into one lower monthly repayment, you could instantly free up hundreds of pounds each month. A consolidation loan streamlines your payments, making it easier to stay on top of your finances while saving money on interest.
Along with simplifying your debt, a consolidation loan can allow you to borrow additional funds for personal goals or improvements. Whether you’re renovating your home, buying a new car, planning a wedding, or booking a holiday, you can achieve more with one manageable repayment plan.
Even if you’ve had credit challenges, such as CCJs, defaults, or arrears, a consolidation loan could help you rebuild your credit profile with affordable, consistent repayments. Homeowners can often borrow more than with unsecured loans, with amounts available from £10,000 to £1 million. Plus, with low rates starting from just 5.05%, repayments remain affordable and easy to manage.
A secured loan works by using an asset, such as your home, car, or savings, as collateral. This provides the lender with security, allowing you to borrow larger amounts at lower interest rates. If you fail to make repayments, the lender may claim the asset to recover their losses.
Common types of collateral include property, cars, savings, or other valuable assets that can be used to guarantee repayment of the loan.
If you fail to make your repayments, the lender has the right to claim your collateral to recover the outstanding balance. It’s important to borrow only what you can comfortably repay.
A debt consolidation loan allows you to combine several existing debts into one new loan. You use the new loan to pay off your previous debts, leaving you with a single monthly repayment, often at a lower interest rate and with a clearer repayment schedule.
By replacing several payments with one, a consolidation loan can simplify your finances, reduce the total interest paid, and make it easier to stay on top of your repayment schedule.
Yes, applying for any loan typically results in a credit check, which may cause a small, temporary drop in your credit score. However, managing the loan responsibly can improve your score over time.
