Bad Credit Secured Loans

Bad Credit? We Can Still Help You Secure a Loan

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Mortgage Enquiries

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Mortgages Accepted

It’s no secret that if you have a bad credit rating, it’s significantly more challenging to secure a loan.

That’s why it is important to turn to a specialist team like our expert arm Loankey, who can access secured and unsecured loans for bad credit ratings to suit each individual circumstance.

Why Choose Us for Bad Credit Secured Loans

A Personal Service

Our experienced and knowledge team provide a personal service with clear and friendly advice

Large Panel of Lenders

As we have access to a large panel of lenders, we can find the right loan to suit your circumstances, from £3,000 to £500,000.

Stress Free and Speedy

Our in-house team liaises with lenders on your behalf, with approved loans often transferred between 21 and 28 days.

No Obligation

Our advice comes with no obligation to take the loans available for you – so there’s no harm researching.

Award-winning mortgage and loans experts – ready to help you today

Our team of specialists will guide you through the process of securing a mortgage, buying a home or taking out a loan – finding the very best deals for you and your family.

Mortgage & Loan Guides

Read our experts’ latest advice on a wide range of mortgage options to the tax implications of buying properties to let.

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Infographics

Making mortgages and loans simpler to understand is our key skill, and our infographics do just that!

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Hear from our Clients

Don’t just take our word for it, hear from our happy clients who we have helped through the mortgages and loans process.

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Bad Credit Secured Loans – Your Questions Answered

If you’ve had bad credit recently or in the past few years you may have struggled to get a loan or credit card. That could be because some lenders have automated systems which flag you as high risk.

However, there are many lenders which take a different approach and look at other factors, actively supporting people with bad credit history to make a fresh start.

Our loan calculator will give you an idea of what you could pay – although the final amount will depend on your personal and financial circumstances.

Can I have Bad Credit despite never borrowing?

Yes, your credit rating can actually be negatively impacted upon because there are no records of a repayment history for lenders to base a decision on.

This often makes taking out further credit more difficult.

If you have missed a payment on an existing loan or made the odd late payment, this can also have an impact on what loans are available to you.

How can Bad Credit be overcome to secure a mortgage?


It is important to take advice from specialists who know the Bad Credit Mortgage market and the lenders which are willing to support people in this situation.

Our specialist team at LoanKey fully appreciate and understand these circumstances and take into account your personal situation, working hard to find the right loan to suit your individual needs.

Even if you have CCJs, are self-employed or retired, we help you find a suitable loan.

Are there many Bad Credit Loan deals available?

Yes there are multiple loans on the market, with varying terms and interest rates, finding the one for you can become tedious.

That’s why we suggest using our loan calculator. It does the hard work for you. All you need to do is enter some basic details and our calculator will generate the best loan according to your information.

Will I have to pay higher interest rates on a Bad Credit Loan?

Yes, it is likely that you will have to pay higher rates to begin with, but it doesn’t mean that this will be permanent. By continuing to keep on top of your payments, you may actually be able to improve your credit rating over the duration of your loan, making you more attractive to lenders in the future.

We look to find you a poor credit loan, with an agenda of improving your credit rating in the long run.

By paying slightly more interest in the short-term, and committing to making all repayments, lenders look more favourably upon your situation.

What our clients are saying

  • Zoe and Sally were both really professional but friendly. They are a credit to your company.
    Iain Pay
  • World class service from Day 1 to completion. Highly recommended. In particular the service from Georgia Hardcastle and Olivia Russell was fantastic -...
    Paul Hennessy
  • Great service from start to finish and good terms too. Hoping the solicitors are as good now completing the process.
    Paul H
  • Great team did everything spotlessly and didn’t have to be chased up
    Dale Sutherland
  • Excellent service and trusted help So efficient
    Mrs Diane Brown
  • Very efficient service from start to finish. Communication was exceptional and was always informed and guided every step of the way
    Michael Newbery
  • 5 Star Service
    John Kleinman
  • They have been so helpful every step of the way they have always been quick to rely to every email I’ve sent them. And help me get a decision in pri...
    Mr Terry Mcdonald
  • Quick and efficient service.
    Nic Phipps
  • Very helpful assistant. Straight swap and terms I was looking for, saved a few quid a month
    Bob hope
  • Great fast and friendly service
    Neil
  • I have been dealing with Georgia Hardcastle at Mortgage Key, she is so helpful and have explained everything to me. I am a first time buyer and I was ...
    Pedro Amaral
  • Extremely professional service and courteous staff.
    Mr. Michael Rundle-Brown
  • Mortgagekey are an excellent mortgage broker service. Secured a mortgage with a high street lender within 4 weeks from DIP to full offer. Our case was...
    A&C
  • Brilliant service, can’t fault
    Aimi Buchanan
  • My broker Rory was able to get me a mortgage where others had failed.A credit to the company.
    John Wilkinson
  • We recently used Mortgage Key. Everything was straight forward and done quickly, from the initial quote to receiving the mortgage offer we were kept...
    customer
  • A really good service, Quick and efficient, no stress at all. Knowledgeable staff, who were a pleasure to deal with. I would recommend them and defini...
    philippa Wall
  • Very professional and friendly approach. They managed to find a mortgage which matched all our requirements. Great service! Thanks a lot!
    MJ
  • Great service from the beginning of the process.
    Bruno Cabral

Trusted by our clients

Ready to talk? Speak to an expert today: 0800 077 8980