Home Owner Loans

Borrow at the best rate against the value of your home

I'd like to borrow

Amount to borrow:

For how many months:


Warning: Late repayment can cause you serious money problems. For help go to moneyadviceservice.org.uk



  • Large-sum loans available over longer repayment terms
  • Free up money for home improvements or large purchases
  • Lower interest rates than unsecured loan products
  • You use a broker to help guide you through the process
  • A more complex and time-consuming application process
  • Administration fees for broker services
  • You could lose your home if you fall behind on repayments
Question icon

Is A Home Owner Loan The Right Option For Me?

Usually a larger amount can be borrowed because it is secured against the equity in your home - the amount of its value you actually own.

It depends on the equity in your home, your credit rating, your income and other commitments.

The main cost is the interest payable but there may be other charges/fees in addition. They may include Valuation and Legal fees.

It usually takes 4-5 weeks while the checks are being made and after that the money should be sent to your bank account.

It’s a complex process and brokers understand the pitfalls and are best placed to liaise with lenders over valuations, land registry and more as the loan is secured on your house.

Like a mortgage application, they will ask you what loan size you want and for how long, all the details of your property and how much it’s worth, how much mortgage you have left and several other questions to assess your affordability.

Yes but there may be a penalty.

Yes, but some lenders insist on you paying off the loan first. Some will allow you to transfer the loan to the new property but will charge a fee for doing so.

It depends on the lender. If you take a holiday it could result in a higher cost because the term will be increased.

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Find loans likely to say ‘YES’. All circumstances welcome. You could receive money today!