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Homeowner Loans

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  • One Simple Affordable Monthly Payment

  • Average Savings of £525 Per Month*

  • Search Won't Affect Credit Rating+

  • All Credit Histories are Considered


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What is a homeowner loan?

A Homeowner loan, sometimes referred to as a 'secured loan', is an agreement to borrow funds, secured against your property.

To apply for a Homeowner loan you must own your property and have an existing mortgage.

SECURED LOANS - Rates from 2.9% variable. We also have a range of plans with rates up to 65.2% allowing us to help customers with a range of credit problems. Representative 8.6% APRC variable. Representative example: if you borrow £10,000 over 10 years at an Annual Interest Rate of 5.14% (variable) you would make 120 payments of £122.71 per month. The total amount repayable will be £14725.20 (This includes a lender fee of £495 and a broker fee of £1000 which have been added to the loan.) The overall cost for comparison is 8.6% APRC representative. Maximum APR 65.2%.

We gather some basic information about you and your requested loan using our quick online form below.

Our processing engine uses your details to perform a soft search* which matches you to a broker or lender.

We will show you rates and terms for this specific loan along with the monthly repayments.

We Compare 100's of Homeowner Loans


" From start to finish the level of care, attention and professionalism was faultless. A great attention to detail and establishing what I needed shows great customer service. "

Andrew D


Fluent Money - partner (December 2020)

Frequently Asked Questions


What can I use a secured loan for? +

The most common uses of a Secured Loan are consolidating debts, home improvements or to pay major costs, such as a wedding or holiday. You can use a secured loan for almost any purpose.

How much can I borrow?+

You can borrow from £5,000 to £500,000 subject to status. The amount you can actually borrow will be dependent on factors including what you can afford and the amount of equity you have in your property.

What happens after I apply for my loan? +

From receiving your enquiry, we will contact you to assess in detail your requirements. This will include a breakdown of your income and expenditure to ensure the loan is affordable.

Can I repay my loan early?+

You may repay the outstanding balance early. If there are any early repayment charges, these will be highlighted in the documentation provided.

Will my credit score be affected?+

A soft search will generally be carried out initially upon enquiry which doesn't affect your credit score. You will be able to see this search on your credit report, but it won’t be visible to other lenders. A full credit search will be performed when you sign the relevant paperwork/ application forms.

Who can apply for a secured loan?+

To apply for a secured loan, you need to be a homeowner with a mortgage and has equity in your property that meets individual lenders criteria.. If you have a jointly owned home, you must apply for the secured loan jointly with that other person.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT.

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