Bad Credit Secured Loans

Bad Credit? We Can Still Help You Secure a Loan


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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.

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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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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

  • Would like to start by saying that Mortgagekey are worth their weight in gold. My partner and I never dreamed of being accepted for a mortgage but th...
    Daniel Beech
  • Very efficient service and achieved what we were looking for
  • I had a missed payment on my record and all major lenders turned down my application. Mortgagekey helped me get a mortgage and got accepted, underwrit...
    Peter M
  • Customer service was amazing start to end, made the whole process very easy.
    Nisar Ahmed
  • We have been talking to Mortgage Key in regards to our first mortgage. Although we have not finished the process, we are extremely happy with the serv...
  • You provided me very good and impressive service, very nice staff.
    Mj Li
  • Excellent service, very helpful! Im a first time buyer and mortgage key helped me understand the process and explained everything to me, would recomme...
  • Having been through this process a few times, my experience with MortgageKey was excellent. Leona spent the time to understand my requirements, which ...
  • I can’t recommend this company enough. Claire was awesome in coming back to me with options and within 48hours I had a agreement in principle. Mort...
    A Patel
  • The whole process was smooth and we are very happy.
    Ian Jeavons
  • Amazing service they work hard to get you the best deal. Our case worker Leonie was fantastic. A service worth every penny. Highly recommended.
    Stephen and james
  • Fantastic service- simple to use and found us a great deal! Would highly recommend
  • I contacted you on line and found your service to be excellent, fast and efficient
  • Over the phone Application for Life insurance: agreeable member of staff, very professional, I was absolutely satisfied with the way this was conducte...
    Roxane Keabou
  • I found Linda to be highly efficient, focused & offered lots of time with explanation every step of the way. Linda worked to my pace & made herself a...
  • Very easy and accessible service. Excellent advice and knowledge. As a first time buyer the support was outstanding. The communication has been above ...
    Stephanie E
  • Fantastic service.
  • Very friendly. Responded quickly kept us upto date all the time. Would recommend.
    Kathleen Walpole
  • Looking for a mortgage broker during the uncertainty of the pandemic was nerve-wracking. After contacting MortgageKey, I knew from the first call that...
    Roxane Keabou
  • Great service very helpful.

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