Top Rated UK Asset Lender

Fast Property Finance

Secured Loans Against Property: Borrow Against Your Home or Mortgage

Secure fast, flexible funding against your land, property, and private garage assets. Whether you are looking to raise capital for a new venture or bridge a financial gap, we provide loans against property with no credit checks and immediate payouts for smaller sums can be included in your unsecured loan agreement.

  • Loans up to £250k available with up to 50% LTV when you borrow against your home
  • Fast payments, with loans under £10k paid on the spot
  • FCA Regulated lender offering total peace of mind for unsecured loans.

Request a Lending Decision

Tell us about the property to receive an instant provisional lending bracket.

Final Details

100% Confidential. No hard credit checks.

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Our property underwriting team is reviewing your details and will call you within 2 hours.

Fast Legal Completion

100% Discreet Lending

FCA Regulated

Smart Lending

Why Choose a Loan Against Property or Mortgage?

Traditional high-street borrowing is slow, heavily regulated by personal income multipliers, and highly dependent on perfect credit histories. A property-backed asset loan focuses exclusively on the value of the asset, giving you flexibility.

Fast Payments & Equity Release

Perfect for generating emergency capital or seizing a sudden investment opportunity without needing a personal loan. We remove the drawn-out paperwork of traditional property finance, offering immediate, on-the-spot payouts for loan amounts under £10,000.

Fast Payments & Equity Release

We put you in control of your cash flow. You can choose to pay the 5% interest (lower interest rates available on bigger loans) via monthly repayments, or roll it up to be paid entirely at the end of the loan term. We also offer negotiable, flexible interest rates on larger loan amounts.

No Credit Checks Required

Because your loan is secured directly against the physical value of your land, property, or garage, we do not perform intrusive credit checks or require proof of income.
There is also no obligation to repay the loan; if you choose not to settle the balance, we simply retain the asset to clear the debt.

Property Assets We Secure Loans Against

Residential & Commercial Property

We provide flexible funding against a variety of real estate types, allowing you to unlock capital efficiently.

  • Residential properties
  • Commercial properties
Loans against garages double bay parking garage

Private Garages

We lend against private, lock-up garages designed for vehicle storage, helping you unlock the hidden equity in your practical real estate.

  • Single lock-up garages
  • Blocks of private parking garages

Land & Development

We provide straightforward funding against unencumbered land assets, assessed purely on their current open market value.

  • Plots of Land
  • Agricultural Land
  • Development Land
Excluded Assets

To ensure our valuations and legal processes remain exceptionally fast, we strictly limit our property lending to the assets listed above. We do not provide loans against:

  • Commercial MOT garages
  • Commercial mechanic garages
GET Your Asset VALUED NOW

The Property Lending Process

We cut out the red tape. Our streamlined underwriting process ensures you get the funds you need without high-street delays or stressful hurdles.

1. Fast Valuation

Contact us with the details of your property, land, or private garage. We arrange a rapid valuation to determine its market worth, offering up to 50% Loan-to-Value (LTV).

2. Legal & Title Check

Once the valuation is complete, we draw up a transparent agreement for the loan against your home. You decide whether to pay your interest in monthly installments or at the end of the term, and we finalise the paperwork.

3. Funds Released

Once documents are signed, funds are immediately transferred to you. For loans under £10,000, we provide on-the-spot payouts so you can move forward instantly.

Client Success

Trusted by Investors & Homeowners

  • “We needed to close on an auction property fast but our standard mortgage was delayed. LoanAgainstAssets secured a bridging loan against our unencumbered residential property within 5 days. Saved the deal entirely.”
    Mark T.
    Property Developer, London
  • “Incredibly discreet and highly professional. I used my commercial unit to release £200k for a business cash-flow injection. No awkward credit interrogations, just a smooth, asset-based transaction.”
    Sarah L.
    Business Owner

Property Finance FAQs

Clear answers regarding our bridging, land, property, and garage asset loans.

To borrow against your property, you’ll have either a first charge or a second mortgage charge against your home.
If your property is fully paid off with no mortgage or debts, we put a first charge on your home (similar to a primary mortgage) and if you have a current mortgage, you’ll have a second charge mortgage against the equity of your property.

Property loans are a secured loan against your asset, in this case, using the value of your home as your asset to secure the loan. Be aware, your home is at risk with a secure loan using your home.

Secured loans are when you borrow money against an asset you own versus an unsecured loan, which is purely based on your assessed ability to pay back the loan, with no collateral put up as security.
A secured loan against your property uses your property as security. Secured homeowner loans work by valuing how much your property is worth and your home equity to decide the amount you can borrow.

Whether a secured loan could be right for you depends on many factors, including: 

  • Your credit rating
  • How much you need and are able to borrow with a personal loan

You may be able to get a personal loan or credit cards offering discount interest rates for a certain period of time if you need to borrow a small amount of money for things like home improvements. These are unsecured loans and require credit checks.

If you need to borrow more money or have poor credit, a loan secured against your property could increase how much you can borrow without needing to improve your credit score. 

The property loan value is calculated by assessing the current open market value of your property, land, or private garage and offering a maximum 50% Loan-to-Value (LTV). For example, if the equity in your home is valued at £50,000, you will be able to secure a loan of up to £25,000 secured against your property.

You pay the interest on your property loan with either monthly payments or at the end of the loan term. We offer a standard 5% interest rate (lower rates may be available for larger loans) and we allow you to choose the payment schedule that best fits your personal cash flow.

If you decide not to pay the loan back, there is no further obligation or penalty. Because the loan is secured entirely against the asset, you can simply choose to forfeit the property, land, or garage to settle the outstanding balance. The debtor would repossess your property and your personal credit score will remain completely unaffected (if you don’t have an existing mortgage).

You cannot get a loan against a commercial MOT garage. Our property and garage lending criteria explicitly exclude working MOT garages; we only secure loans against private garages intended for parking cars.

A personal loan is when a lender provides you funds based on your ability to pay back the loan. Their risk assessment before you take out a loan includes checking your credit history and rating. None of your assets are held up again against the loan, so it’s considered an unsecured loan. A secure loan, for example, home loans, are guaranteed against one or more of your assets. Secured loans work by paying back the money you owe before the loan agreement period and reclaiming your asset. Your credit rating is not checked for a good credit score, nor is it affected.

At LoansAgainstAssets, we directly underwrite your loan and are not a credit broker.

Loans Against Assets

What Other Assets Can I Borrow Against?

We leverage the intrinsic value of your high-end assets to provide immediate liquidity. Click to learn more about our specific lending criteria.

Expansive aerial landscape of green and brown agricultural fields under a clear blue sky.
Land

Residential, Commercial, Bridging

Property

Residential, Commercial, Bridging

Close-up of shiny goldbars and coins - Loans against Gold
Gold

Gold, Silver, Platinum, Precious Metals

loans against jewellery Collection of gold rings, bracelets, and chains
Jewellery

Rings, Necklaces, Bracelets and more

loan against crypto. Close-up of Bitcoin, Ethereum, and Cardano coins
Crypto

Bitcoin

Loans against garages double bay parking garage
Garages

Loans Against Parking Garages & Storage

loans against inheritance. mother handing child wooden home
Probate & Inheritance

Loans Against Probate & Inheritance

loans against stock. Close-up of stock market chart showing trends and data on a digital screen.
Stock

Loans Against Stock Portfolio

May also accept other assets. Enquire directly.