West One 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 West One 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

    • West One Secured Loans Limited logo

      West One Secured Loans 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.

West One Loans Secured Loans FAQ

Who is West One Loans?

West One Loans is a provider of lending services, which is registered and authorised with the Financial Conduct Authority. It provides specialist loans such as second charge mortgages, bridging loans and development finance, all through brokers and other intermediaries.

Does West One Loans offer secured loans?

Yes. Borrowers are able to take out secured loans, known as second charge mortgages, through West One via a broker that is authorised to work with West One Loans. These loans are secured against the value of your property and you therefore risk losing your home if you don’t keep up with your repayment schedule.

For what purpose can I take out a West One Loans secured loan?

West One Loans secured loans can be used for any purpose, with a few limitations. Borrowers often take out secured loans in order to pay for large purchases or to fund expensive projects, such as a wedding or a garden re-landscape. You are also able to use a secured loan to consolidate your existing debt, although this comes with the caveat that you may end up repaying more in total if the term of the debts are extended.

How much can I borrow and for how long?

The amount of money West One Loans will be willing to lend you will depend on to what extent you meet the lending criteria. If you require a large sum of money over a long period of time, a secured loan provider may be able to meet your needs, but you will need to pass credit checks and affordability tests and you may also need to have your home valued.

Second charge mortgage lenders will often have a maximum loan-to-value stated on their site, which is the limit for the percentage of the value of your home that your existing mortgage and your second charge mortgage can total.

Does NerdWallet work with a broker?

Yes. Our comparison tables for secured loans direct our users to a popular secured loan broker called Fluent. Using brokers to help arrange and apply for secured loans is often useful, as in many cases lenders will not deal with borrowers directly, although this is not always the case.

If I miss repayments to my West One Loans secured loan account, could I lose my home?

It is possible that a secured loan provider could recoup the value of your loan by forcing the sale of your home if you are unable to pay it off yourself. You can also be charged late payment fees for missing payments, which will damage your credit record.

If you find yourself in financial difficulties after taking out a secured loan, you’ll need to contact your lender before you miss a payment in order to avoid the repercussions. Your lender may be able to help you to meet your obligations by changing your repayment schedule to better meet your limitations.

I have a buy-to-let property, can I get a West One Loans secured loan?

You may be able to secure a loan offer from West One Loans as it does lend against rental property in some circumstances, although you will need to meet other criteria.

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

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