Here at Ocean, we have over 30 years’ experience in helping people find the right personal and homeowner loans. We can search our panel of lenders to find the most suitable deal for you.
Get help from a UK loan company
If you’re looking for a loan to make a big purchase, to make some home improvements or perhaps you’re looking to consolidate your debts, we could help. As a broker, we can search our panel of loan providers to find the best rates you're eligible for.
Homeowner loan
Homeowner loans (or secured loans as they’re also known), are only available to people who own their property. This is because the loan is secured against your home, which may be at risk if you fail to meet your repayments.
Homeowner loans are usually for large amounts of money - £10,000 to £500,000 - and can be repaid over 3 to 30 years depending on your individual circumstances. We can help you check your eligibility and find a loan from a trusted loan company.
Personal loan
For a personal loan, or an unsecured loan as they’re also called, you don’t have to be a homeowner to be eligible, as it isn’t secured against your property.
They’re usually for smaller amounts of money compared to a homeowner loan - £1,000 to £15,000 - and they can be repaid over 1 to 5 years. We'll find you the best loan rate you're eligible for from our wide panel of UK lenders. Personal and homeowner loans are available.
Homeowner loans are secured against your property. This means your home may be at risk if you fall behind with your payments. 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. 11.0% APRC Representative.
Personal loans are unsecured. Ocean Finance is a trading style of Intelligent Lending Limited. We are a credit broker working with a panel of lenders to find you a personal loan. We receive commission upon completion. A Broker Fee is not payable. 59.9% APR Representative (fixed).
What other products do we offer?
Mortgages
We could help you find a mortgage – tell us how much you need to borrow, and we’ll find you the best deals we can offer from our panel of lenders. Even if you’ve got a bad credit history (such as missed payments in the past), we’ve access to a wide range of mortgage deals and loan companies, so we’ll do everything we can to find you a deal.
Credit card
The Ocean Credit Card comes with an easy to manage credit limit, and, if your credit rating isn’t 100%, it can help you rebuild it.
- Up to £1,500 credit
- No annual fees
- May help boost your credit rating*
39.9% APR Representative (variable)
*By meeting your minimum monthly repayments on time, and staying within your credit limit, you’ll be showing lenders that you can borrow money responsibly. This should be reflected in your credit score. Not doing so could harm it.
Intelligent Lending Ltd (Credit Broker). Capital One is the exclusive lender
How could we help you?
Ocean has provided access to loans, credit cards and mortgages to people across the UK since 1991. In this time, we’ve pre-approved more than a million people, offering products and advice to suit their circumstances.
- All credit histories considered
- Check your eligibility without affecting your credit score
- Save time finding the right loan deal
You can learn more about Ocean on our about us page.
Got Questions?
Getting a loan when your credit history isn’t 100% can seem like a bit of a challenge. But it doesn’t have to be. In fact, here at Ocean, we help people with a range of credit ratings to get the finance they need.
If you’ve had problems with credit before, you may stand a better chance of being accepted for a homeowner loan rather than a personal loan. That’s because lenders have the extra security of knowing that the loan is secured against your property. However, that does mean that your home may be at risk if you fail to meet your repayments.
Yes. If you’re finding making lots of payments towards lots of different debts a struggle each month, you could use an Ocean homeowner or personal loan to pay off all of your existing credit cards, overdrafts and unsecured loans and replace them with just one affordable monthly payment instead.
Please bear in mind that consolidating your debts with a loan could increase the amount of interest you pay in total if you pay it back over a longer period of time.
We’ve helped hundreds of thousands of people find the right loan for them, and we can help you too.
- We look at every application on a case-by-case basis – even if you have poor credit, we’ll do our best to find you a loan deal from our panel of lenders
- Over 30 years' experience
- There are no upfront fees
Homeowner loans are secured against your property. This means your home may be at risk if you fall behind with your secured loan or mortgage repayments.
Remember, if you consolidate your existing borrowing, you may be extending the term and increasing the amount you repay in total.