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

  • I went from not thinking I could get a mortgage, to mortgage approved in 2 weeks, and at a rate I never thought possible! The service provided by Jami...
    customer
  • Very well organised and friendly . Told us upfront what to expect and what it was gonna cost . Very honest with what they tell you . Always keeping yo...
    Oliver Cole
  • I was dealing with Jamie Money for my remortgage enquiry great communication, Kept me informed throughout the process and managed to save me money! wi...
    Michele Clark
  • Would highly recommend they were very helpful and it was a very easy process 👍👍
    Carl Dean
  • Great good quick service thank you
    Dale Bromell
  • The service I received from Matt was first rate. Sorted out a deal in very quick time with no fuss. I would strongly recommend this company.
    Mr Brandon
  • I have recently been dealing with Jamie Melling and it has been nothing but straight forward from the start. He has been very informative, answering a...
    Lauren
  • What a fantastic company this is so helpful and willing to go the extra mile to get things done Jamie money,Meghan,Rebecca and Olivia are amazing I wo...
    Emma Gregory
  • Good service so far.
    CAROLINE HAYNES
  • This was my second property, but same comments as the first one. The chap I was dealing with, Karl, was great and very helpful. We got a good result...
    Jeffrey Peyton-Bruhl
  • We just want to thank Callum for being amazing. We honestly could not have asked for a better mortgage advisor, he put up with us calling all the time...
    Jessica Boyle
  • Callum was excellent highly professional and very approachable, I would definitely recommend the company to anyone that I know Shazad
    shazad
  • kept in touch every step of the way. always responded quick to emails and my questions. kept in the loop constantly on each step of the process. fr...
    Hayley Reay
  • Very easy to deal with, good communication and service. Got me a mortgage with a high street lender when other brokers said they couldn’t.
    Mark Tomlinson
  • Morgage key have communicated with us through out, if they have only just checked to say Hi and if there was anything they could do Whilst waiting fo...
    Heather Twigg
  • Easy to deal with. Quick and efficient. Great customer service. Mortgage to meet my needs and a competitive rate. Also sorted life insurance too. Hig...
    Diane Franklin
  • The second time we have used mortgage key now and we are really happy. It was great to deal with Karl again, he gave us solid advice and we had a laug...
    Daniel Conelly
  • Super fast great comms will use again
    customer
  • Fantastic service. Offer issued within a week.
    Charlotte D
  • Great service, good communication and on the ball! I would recommend to a friend to use MortgageKey, helpful and polite. Thank you!
    Ann-Marie Smith

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