Prestige Finance Secured Loans

  • We've teamed up with the UK's favourite secured loan broker* Fluent Money to help you in your secured loans search
  • Homeowner secured loans usually have to be applied for through a broker using your property as security
  • Compare Prestige Finance against other secured lenders using the calculator below

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Loan amount


Repayment term

10 years


home improvements
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a loan or any other debt secured on it. Show representative example

    • Prestige Finance Limited logo

      Prestige Finance Limited

      • Initial Rate
      • Total Repayments
      • Monthly Repayments

    Other Secured Lenders

    • Pepper Money logo

      Pepper Money

      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Shawbrook Bank Limited logo

      Shawbrook Bank Limited

      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • United Trust Bank logo

      United Trust Bank

      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Equifinance logo


      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Together logo


      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Oplo logo


      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Norton Home Loans logo

      Norton Home Loans

      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Central Trust Ltd logo

      Central Trust Ltd

      • Initial Rate
      • Total Repayments
      • Monthly Repayments
    • Evolution Money logo

      Evolution Money

      • Initial Rate
      • Total Repayments
      • Monthly Repayments

Please note: Loans displayed have a minimum term of 12 months and a maximum term of 360 months. Maximum APRC charged 49.9%.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

Our comparison service features a selection of providers from whom we receive commission. This table is ordered by initial rate. *Fluent Money completes more secured loans than any other broker.

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Last updated on 09 November 2020.

Prestige Finance Secured Loans FAQ

Who is Prestige Finance?

Prestige Finance Ltd offers secured loans to borrowers in the UK and is part of the larger OneSavings Bank Group. It offers second charge loans through intermediaries, known as brokers, to homeowners.

What types of loans does Prestige Finance offer?

Prestige Loans offers loans secured against residential property in England, Scotland and Wales. The interest rates charged on the loans are either variable or fixed, and whether you are offered this choice could be based on your personal financial circumstances, loan-to-value ratio and other relevant factors.

What can I spend my Prestige Finance secured loan on?

You can spend the money you borrow however you wish, although there are some exceptions, so it’s worth checking the small print details. Most borrowers opting for secured loans tend to need financing for major projects, such as building a conservatory or a home renovation; or they may need help paying a tax bill or another large expense. Debt consolidation is also a reason that some borrowers secure loans against their homes, but this comes with risks and can also lead to larger total repayments if the term of the loan is extended.

What risks are involved with a Prestige Finance secured loan?

When you take out any secured loan, it’s important to consider whether another option might be open to you. Securing a loan against your property means that the lender could force the sale of your property if you fail to meet repayments. Also, if you miss repayments, charges could apply, which could lead to further financial problems as the fees mount up.

What are the advantages of secured loans?

Opting for a secured loan will often mean you may be offered a larger loan amount that you might be able to pay off over a period of years. Lenders may also offer you your required loan amount with a smaller interest rate than if the loan was unsecured. This is because there is less risk to the lender if the debt is secured against your property. For this same reason, secured loans are sometimes easier to access for people with bad credit histories.

Can I apply for a loan with Prestige Finance directly?

No, Prestige Finance only works through brokers. works alongside secured loan broker Fluent, who can help borrows to find the right loan for their circumstances and guide them through the application process. However, if you wish to apply directly, without the use of a broker, this is possible with some lenders.

How long will I have to repay my Prestige Finance secured loan?

Prestige Finance lends for terms of 3 to 25 years but the term you will be offered will depend on a range of factors, not least your loan amount, your financial circumstances and the value of equity you hold in your home.

What lending criteria will Prestige Finance take into account when I apply for a secured loan?

Prestige Finance, along with most other secured loan providers, will look at your credit history and your financial situation, which includes your income, your outgoings, your existing debts and your dependents, for example. How much you can borrow and for how long will also depend on the value of your home and the amount of equity you hold in it. Other factors, such as your residential and employment status, along with your age will also be taken into account.

Services offered by this provider may change over time. Always check Ts&Cs.

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