Secured loan lender criteria database
The second charge lenders we have reviewed so far, side by side: how much they lend, how far they go on loan to value, how they treat missed payments, defaults, CCJs and IVAs, and what they charge. Taken from each lender's own published criteria, with the date we last checked.
4Lenders tracked
15 September 2026Criteria last checked
Click a lender for the full review. Criteria change often; treat this as a starting point and let an adviser confirm the current position.
| Lender | Max combined LTV | Loan size | Adverse credit | Self-employed | Buy to let | Fees | Speed | Checked |
|---|---|---|---|---|---|---|---|---|
| Evolution Money | Not published | £5,000 to £105,000 | All credit profiles considered; no published limits | Yes, with at least 12 months' trading | Not published | 10% product fee plus £763 to £1,736 lending fee | Not published | 15 September 2026 |
| Norton Home Loans | 85% on the two high LTV plans; 80% on the other Optimal plans; 75% on plans A, B and C | £3,000 (£20,000 on Optimal Zero) to £250,000 | Up to two recent CCJs, defaults or arrears; IVAs and DMPs considered | Yes, 1 year's trading | No (does not lend on tenanted property) | Lender fee £695 to £1,495; broker fee capped at £4,950 | Not published | 15 September 2026 |
| Pepper Money | 85% on Prime (loans to £500,000); 100% on the Prime high LTV plan (loans to £150,000); 80% on Plus | £15,000 to £1,000,000 (Prime); £500,000 (Plus) | Considered on Plus range; DMPs with 12 months clean conduct | Yes; 2 years' accounts on Prime, 1 year on Plus | Not published | Lender fee £595 to £1,995; often no valuation | Not published | 15 September 2026 |
| Spring Finance | 85% (residential, cleanest credit tier; lower bands for heavier adverse) | £10,000 to £300,000 residential; £150,000 buy to let | CCJs, defaults, IVA and DMP considered by tier | Yes, minimum 1 year trading with 1 year HMRC tax calculation | Yes, second charge on buy to let, £10,000 to £150,000 | Lender fee £950 to £1,450; ERCs on fixes | Not published | 15 September 2026 |
n/p = not published by the lender. Figures are as published by each lender on the date shown and can change without notice. This is information, not a recommendation; suitability depends on your circumstances.
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