The UK's largest range of secured loans
Loans from £1,000 to £2,500,000
See your quote before you apply
Quote won’t affect your credit score
Incorporated in 1955, United Trust Bank is a specialist secured lending bank. As well as providing homeowner loans, it offers a range of other products through its network of brokers. These products include bridging finance, professional loans and asset finance.
United Trust Bank Limited is authorised and regulated by the Prudential Regulation Authority, and also regulated by the Financial Conduct Authority (FCA). It is also covered by the Financial Services Compensation Scheme (FSCS) and the Financial Ombudsman Service. United Trust Bank is also regulated under GDPR and data protection laws.
All United Trust Bank loans are offered through its panel of approved brokers and cannot be applied for directly through United Trust Bank.
United Trust Bank provides second-charge and “mini-mortgages” to UK homeowners. This is a type of loan that is secured against your property.
You can use a United Trust Bank secured loan for any legitimate purpose, such as to cover the cost of home improvements, a car, a holiday, or other large expense or purchase.
United Trust Bank has received positive reviews from customers, according to the review site Trustpilot. It currently has an “average” rating of 3.6 out of 5, based on more than 5 reviews (updated July 2022).
You should only apply for a United Trust Bank secured loan if you are certain you can meet the repayment terms. You must also:
To obtain a secured loan from United Trust Bank, you will need to apply through one of its brokers. The broker will perform a credit check on the details you provide and assess your affordability before a decision is made on your loan.
Before taking out a homeowner loan, you should consider all of your options carefully. Other ways of borrowing large sums include:
A secured loan might not be for everyone but if you consider yourself to be financially responsible with a credit report that reflects this, you might want to explore United Trust Bank’s offerings. But you’ll only be able to get one through a broker.
If that doesn’t phase you, then you could be in line to borrow a big sum of money for rates that you find favourable compared to others. Plus, if you decide to make early repayments, you won’t be charged any fees and stand to actually save money in interest.
While you can take a look at the secured loans offered by United Trust Bank above, there are alternatives you might want to consider. Just remember to do a little research and to shop around.
Loan amounts | From £5,000 to £1,000,000 |
---|---|
Age | From 18 to 85 years |
Term | From 2 to 30 years |
Maximum LTV | Up to 85% |
Representative APRC | Up to 15% |
Lender fee | from £995 |
Learn more about GoHenry and Starling Kite and find out which is the better prepaid card option for your child.
Our fixed-rate ISA calculator estimates whether paying the get-out penalty on your ISA is worth it to open a new one at a better rate.
Recent estimates suggest that over 8 million people live alone in the UK, so we’ve crunched the numbers to find the cost of being single.
Monzo is getting in on the cards-for-kids action. And this one is free. Get ready to dish out the Monzos, mum-zos!
Before you switch accounts to Bank of Scotland, check to see if you can grab a juicy switch bonus.
Learn all about how to get the latest switching offer from Halifax.
Learn all about how to get the latest switching offer from Nationwide.
Find out the cost and car insurance group of a Volvo XC40, and see how much you could pay based on age, location and model.
Find out the cost and car insurance group of a Mini Cooper S and see how much you could pay based on age, location and model.
Find out the cost and car insurance group of a Smart car, and see how much you could pay based on age, location and model.