Secured Loans from United Trust Bank
Unlock up to £500,000 with flexible term secured loan, fixed or variable rates, and generous loan-to-value options.
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Spotlight on United Trust Bank
United Trust Bank (UTB) is a specialist bank known for its fresh approach to secured loans for homeowners. They serve customers who need flexible borrowing, often for debt consolidation or home improvements, with competitive interest rates and a personalised service.
How much can you borrow?
UTB lets you borrow between £10,000 and £500,000, and sometimes higher amounts - so it's a strong option if you need substantial funds. The key details include:
- Loan amounts: From £10,000 to £500,000
- Higher amounts: Available via special arrangement
- Maximum age: 85 years
- Early repayment: No-ERC options available
- Loan-to-value: Lending up to 90% LTV
- Home valuations: Automated valuations available up to 80% LTV
Terms, rates, and repayment options
UTB gives clear interest structures and adaptable repayment terms:
- Residential first charge mortgages (2025)
- Max. £500k
- 2, 3, and 5-year fixed rates from 4.30%
- No minimum credit score
- Early repayment charge (ERC) may apply
- Primary income: employed with min. 12 months in current role - Second charge loans (2025)
- Max. £250k
- 2, 3, and 5-year fixed rates from 5.95%
- No minimum credit score
- No ERC options available
- Primary income: employed with min. 12 months in current role
Specialist underwriting and eligibility
UTB caters to a wide range of borrowers by offering flexible income and no minimum credit score for a second-charge loan. They consider all types of income - such as self-employed or contract work - and they take your full circumstances into account. This can be a massive help if you don't meet the usual lending criteria.
Summing up
United Trust Bank's secured loans offer large borrowing potential, long repayment terms, and tailored rate options, all underpinned by specialist underwriting. It's ideal if off‑the‑shelf loans don't meet your needs - but remember that any secured loan comes with the risk of losing your property if you don't keep up with repayments.
Frequently Asked Questions: Secured Loans
How quickly can I repay a UTB loan?
UTB allows early repayment or overpayments, depending on the deal. Fixed‑rate deals may come with early repayment charges, and ERC terms vary by LTV and product.
Can I get a variable rate with UTB?
Yes, alongside fixed‑rate deals, UTB offers tracker products tied to Bank of England base rate plus their own margin. This can be helpful if you're comfortable with some fluctuation.
Is there a minimum credit score?
UTB doesn't publish a minimum credit score requirement, but they cater to customers with a range of credit profiles. Some restrictions apply but many cases can be individually assessed.
Can I borrow more than £500,000?
Possibly. UTB's standard maximum is £500k but they do offer more under their bridging finance, property development, and structured property finance options (terms and conditions apply).
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