Homeowner Loans

Check if you'll be approved without affecting your credit score

Borrow from £10k to £500k

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Here’s a real customer’s story:

The Smiths monthly repayments dropped from £1,250 to £416

Their lower rate homeowner loan helped them cut monthly credit costs by £834

Old monthly payments

£1,250

New monthly payment

£416

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Checking won’t affect your credit score

Checking won’t affect your credit score

Remember if you repay existing loans with a new loan, you may be extending the term and increasing the amount you repay in total.

Remember if you repay existing loans with a new loan, you may be extending the term and increasing the amount you repay in total.


*Customer names have been changed to protect their confidentiality. Average reduction in outgoings of more than £800 per month for customers taking a loan to repay existing credit commitments in the last 12 months.

It’s all about you.

Our lowest rates.

Your homeowner advantage.

  • We compare 100s of loans
  • We’ll get you the best rates
  • See your results in minutes
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Checking won’t affect your credit score

Checking won’t affect your credit score

Homeowner loans are secured against your home. Your home is at risk if you don’t keep up repayments.

What can I use this loan for?

1

Reduce your repayments

Swap existing credit commitments for one lower, affordable monthly payment

2

Home improvements

Renovate or improve your home

3

Large purchases

Cover one-off expenses, like 
a wedding

We are a broker and we arrange secured loans from a panel of lenders. We receive commission upon completion. Fees may be payable depending on your choice of financial product. The rate you're offered and the fees will depend on your circumstances and will be discussed prior to you proceeding with your loan. 10.6% APRC representative.

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Got questions?

It’s a loan that’s secured against your property, so you need to hold a mortgage to be eligible.

Homeowner loans can be used for many different purposes, including larger projects, or reducing monthly payments to existing credit commitments.

As the loan is secured against your home, it gives lenders an extra level of security. As a result, these loans are usually for larger amounts of money, the rates are usually lower and you can borrow the money for longer – compared to other loans.

A personal loan does not require your home as security and offers fixed term borrowing of up to £15,000, over a maximum of 5 years.

It can be used for a range of purposes and is quick to arrange - completely online- so you could receive the funds within 24 hours of your application.

Homeowner loans offer borrowing of up to £500k over 3 to 30 year terms

  • Can be cheaper than a personal loan
  • Secured against your home
  • An adviser will check this is your best option

Personal loans offer borrowing of up to £15,000 over 1 to 5 year terms

  • Quick to arrange
  • Home ownership not required
  • Quick online decision

No, getting a quote won't harm your credit score.