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

  • Good communication from Mortgagekey, and so far so good, all seems to be going well. Would have no hesitation in recommending Mortgagekey.
    Wendy Wright
  • Wonderful service. As a first time buyer I would not hesitate to recommend. Thank you !!!
    Michael Spaul
  • As always, this is the second time I have used Mortgagekey. Everything is always seamless. There is no stress. Everything ticks along nicely in the ba...
    Catherine Howard
  • Efficient , great customer service and an easy process.
  • Excellent service from the guys at Mortgage Key. Callum was amazing. Georgia and Gareth were awesome too. WELL DONE
    Mr Mohammad Razak
  • Excellent Service.
    K Gill
  • Great staff very helpful, they keep you upto date with everything.
    Mr M Shafqat
  • Absolutely amazing couldn’t have asked for a better mortgage company.
  • Mortgagekey have been excellent so far in helping me and my partner, always happy to help and keep us up to date with the status of our mortgage appli...
  • A perfect customer experience from start to finish: knowledgeable, reliable and lovely to talk to. Thank you Sally! X
    Michael Spaul
  • Extremely efficient and friendly and nothing is too much, they keep you informed every step of the way excellent service would highly recommend.
    Leanne Palmer
  • I have used Mortgagekey to remortgage two properties three times now. They have been excellent at every step of the way - and they got us great rates!
  • I would recommend mortgagekey because their professional service and keeping on top of things in a very difficult time and always keeping me up to da...
  • Within a couple of hours Jamie had found us a lender after we were let down by our own bank that we have been with for over 30 years. Everything went ...
  • Absolutely amazing service! Rory was fantastic from beginning to end- reassured me no end too! I would strongly recommend using Mortgage Key to anyo...
    S M Dalby
  • Excellent help to get a remortgage . Thank you . Efficient and knowledgeable.
    Laura R
  • Dealing with mortgage key has been effortless. Callum has made me feel at ease during the whole process and to be honest I cannot think of one bad thi...
    Daniel Mitchell
  • Always give excellent advice and service
    Nicola Rice
  • Really good service with these guys. The whole team were really informative through out even through the covid 19 pandemic! Couldn’t recommend more!...
    Leo Berry
  • Excellent service..very friendly and knowledgeable advisors...thank you Tracy..I can thoroughly recommend them. This is the fourth time I've used them...
    Pamela Davey

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