Secured Loan Calculator

£20,000 Secured Loan

Rates from 6.34% — monthly payments from £180 over 15 years.

15 products available for this loan amount. Showing indicative rates over a 15-year term.

Selina Finance

Home Equity Loan 5yr Fixed

Selina Finance · 5yr Fixed

Rate

6.34%

Monthly

£180

Total Cost

£32,433

Apply
Selina Finance

Home Equity Loan 5yr Fixed

Selina Finance · 5yr Fixed

Rate

6.39%

Monthly

£181

Total Cost

£32,536

Apply
Pepper Money

Second Charge 5yr Fixed

Pepper Money · 5yr Fixed

Rate

6.99%

Monthly

£189

Total Cost

£33,946

Apply
Spring Finance

Optimal Zero 5yr Fixed

Spring Finance · 5yr Fixed

Rate

7.61%

Monthly

£196

Total Cost

£35,269

Apply
Spring Finance

Optimal Zero 2yr Fixed

Spring Finance · 2yr Fixed

Rate

7.90%

Monthly

£199

Total Cost

£35,897

Apply
Spring Finance

Optimal 1 5yr Fixed

Spring Finance · 5yr Fixed

Rate

8.51%

Monthly

£207

Total Cost

£37,236

Apply
Norton Finance

Second Charge 2yr Fixed

Norton Finance · 2yr Fixed

Rate

8.55%

Monthly

£205

Total Cost

£36,970

Apply
Spring Finance

Optimal 1 2yr Fixed

Spring Finance · 2yr Fixed

Rate

8.83%

Monthly

£211

Total Cost

£37,949

Apply
Spring Finance

Optimal 1 HLTV 5yr Fixed

Spring Finance · 5yr Fixed

Rate

8.96%

Monthly

£212

Total Cost

£38,240

Apply
Central Trust

Plan 1 2yr Fixed

Central Trust · 2yr Fixed

Rate

9.01%

Monthly

£213

Total Cost

£38,360

Apply
Selina Finance

Home Equity Loan 2yr Fixed

Selina Finance · 2yr Fixed

Rate

9.09%

Monthly

£213

Total Cost

£38,349

Apply
Central Trust

Plan 1 5yr Fixed

Central Trust · 5yr Fixed

Rate

9.10%

Monthly

£214

Total Cost

£38,563

Apply
Central Trust

Plan 2 2yr Fixed

Central Trust · 2yr Fixed

Rate

9.17%

Monthly

£215

Total Cost

£38,721

Apply
Central Trust

Plan 5 2yr Fixed

Central Trust · 2yr Fixed

Rate

9.96%

Monthly

£225

Total Cost

£40,526

Apply
Evolution Money

Plan 8 Variable

Evolution Money · Variable

Rate

12.90%

Monthly

£252

Total Cost

£45,312

Apply

About £20,000 Secured Loans

A £20,000 secured loan lets you borrow against the equity in your property. The loan is secured as a second charge behind your existing mortgage, so your current mortgage deal stays untouched.

At the best available rate of 6.34%, your indicative monthly payment would be around £180 over 15 years. Actual rates depend on your credit profile, property value, and existing mortgage balance.

As an FCA-authorised credit broker, Secured Loan Hub compares deals from our panel of specialist lenders to find the right option for your circumstances. Our service is completely free — we are paid a commission by the lender only if a loan completes.

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