Secured Loans Take First Place as Fastest Growing Lending Segment Post-Pandemic in 2025

In the wake of economic uncertainty and rising interest rates, secured loans have emerged as the fastest-growing lending product in the UK in 2025.

While personal loans and credit cards have seen moderate recovery, secured loans—often referred to as homeowner loans or second charge mortgages— have surged in popularity. At SecuredLoanFinder.co.uk, we’ve seen a sharp increase in applications from homeowners looking to leverage equity without remortgaging.

Why the Boom in Secured Loans?

Several key factors have contributed to this growth:

  • Rising Property Values
    Homeowners now have more equity than ever. Rather than remortgaging and risking their low fixed rates, many are opting to take out a secured loan to fund home improvements, consolidate debt, or invest in their businesses.
  • Cost of Living Pressures
    With inflation still biting, many households are turning to secured loans for lower monthly repayments and longer terms—often up to 30 years.
  • Flexibility for Borrowers with Credit Issues
    Unlike unsecured lending, secured loans are more accessible to borrowers with past credit blips. Lenders are focused on the value of the property, not just your credit score.

Homeowners Choose to Borrow Smarter

The secured loan market is no longer a last resort—it’s now a strategic financial decision. Whether for debt consolidation or funding renovations, borrowers are choosing targeted borrowing without losing their current mortgage deal.

According to industry reports, secured loan lending in Q1 2025 grew by over 22% year-on-year — the largest increase among all personal finance products.

What This Means for You

If you're a homeowner with equity, 2025 is proving to be one of the most borrower-friendly years for secured finance.

At SecuredLoanFinder.co.uk, we make it simple to:

  • ✅ Check your eligibility with no impact on your credit score
  • ✅ Compare offers from leading UK lenders
  • ✅ Access expert support with no upfront fees

Get Ahead — Compare Your Options Today

Secured loans aren’t just growing—they’re leading the way. See what’s possible with your home equity by comparing your loan options today.

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