Looking to borrow a larger amount at a competitive rate?
Secured Loans in Hammersmith and Fulham
Borrow larger amounts by using your property as security. You could benefit from lower rates and longer repayment terms compared to unsecured alternatives. Subject to status, affordability and lender criteria. The average property price in Hammersmith and Fulham is £729,613. Prices have fallen 8.5% in the past year.
No obligation • No hard credit search for initial quote • Advice from an FCA-authorised broker partner
Your home may be repossessed if you do not keep up repayments on your mortgage.
Why Choose Secured Loans in Hammersmith and Fulham?
A secured loan allows you to borrow larger amounts by using your property as security. You may benefit from lower interest rates compared to unsecured borrowing, with repayment terms that could be spread over a longer period. Subject to status and lender criteria.
Lower Interest Rates
Because the loan is secured against your property, lenders may offer lower interest rates compared to unsecured borrowing. Rates will depend on your individual circumstances.
Borrow Bigger Amounts
Secured loans may allow you to borrow significantly more than unsecured alternatives. The amount available will typically depend on your property equity and affordability.
Longer Repayment Terms
Repayment terms of up to 25 years or more could be available, which may help keep monthly payments manageable. However, a longer term may mean paying more interest overall.
Flexible Use of Funds
Secured loans could be used for home improvements, debt consolidation, large purchases, or other purposes. Your adviser can discuss whether this type of borrowing may suit your situation.
Options for Adverse Credit
Some secured loan lenders may consider applicants with less-than-perfect credit histories. Eligibility will depend on your individual circumstances and the equity in your property.
Whole Market Advice
Our FCA-regulated advisers search across the market to help identify secured loan options that could meet your needs. There is no obligation, and initial advice is provided free of charge.
Property Prices in Hammersmith and Fulham
Average prices by property type from HM Land Registry, updated January 2026
Source: UK House Price Index — HM Land Registry. Contains HM Land Registry data © Crown copyright and database right. Licensed under the Open Government Licence v3.0.
Affordability in Hammersmith and Fulham
How local property prices compare to earnings
The average home in Hammersmith and Fulham costs 16.6x the local median annual salary. This is significantly above the UK average of around 8x.
Source: ONS Annual Survey of Hours and Earnings (2024). Licensed under the Open Government Licence v3.0.
Energy Efficiency in Hammersmith and Fulham
EPC ratings for local homes — relevant for green mortgage eligibility
The majority of assessed homes in Hammersmith and Fulham have an EPC rating of C or above, meaning they may be eligible for green mortgage products with lower rates.
Source: Energy Performance of Buildings Register. Licensed under the Open Government Licence v3.0.
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Frequently Asked Questions
What is the average property price in Hammersmith and Fulham?
According to HM Land Registry data (January 2026), the average property price in Hammersmith and Fulham is £729,613. Detached homes average £1,683,397, semi-detached £1,456,727, terraced £1,111,624, and flats £564,998. Prices have decreased by 8.5% over the past year.
What is a secured loan?
A secured loan is a type of borrowing where your property is used as security (collateral). This may allow you to borrow larger amounts at lower interest rates than unsecured loans. However, your home could be at risk if you do not keep up repayments on a loan secured against it.
How much can I borrow with a secured loan?
The amount you could borrow will typically depend on the equity in your property, your income, and your ability to afford the repayments. Secured loans may range from around £10,000 to £500,000 or more, subject to individual assessment.
What is the difference between a secured loan and a remortgage?
A remortgage replaces your existing mortgage with a new one, whereas a secured loan sits alongside your current mortgage as a separate agreement. A secured loan could be preferable if you wish to keep your existing mortgage rate or would face early repayment charges by remortgaging.
How long does it take to get a secured loan?
The process typically takes between 2 and 6 weeks, though timescales can vary depending on the lender, the complexity of your application, and how quickly documentation is provided.
Can I get a secured loan if I have bad credit?
Certain lenders may consider applications from people with adverse credit, including CCJs, defaults, or a history of missed payments. Each case is assessed individually, and the available rates and terms may reflect the level of risk involved.
Is my home at risk with a secured loan?
Yes. As with any borrowing secured against your property, your home could be repossessed if you do not maintain repayments. It is important to ensure that you can comfortably afford the monthly payments before proceeding. Your adviser can help you assess affordability.
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Your home may be repossessed if you do not keep up repayments on your mortgage.