Apply in
2 minutes

Quick search
for best lender

Approve Loan
and Receive Cash

Welcome to Homeowner Loans

Homeowner loans are here to provide you with a secured loan ranging from £5000 up to £250,000. Home owner Loans can be used for a variety of uses such as home improvement, a new car , paying back credit cards or other loans, a holiday or even a business venture. We are a broker and work very closely with some of the top UK lenders who offer the most competitive rates. We also do NOT charge you any commission for finding you a loan. It is FREE to apply and there are no finders fees. We only provide you with the best lender that is most suitable for you.

What is a Homeowner Loan ?

A homeowner loan is a loan that is secured on your property. It is generally taken in addition to a mortgage, a homeowner loan is sometimes called a ‘secured loan’ or a ‘second mortgage’. Your mortgage is known as the ‘first charge’ and the homeowner loan is called the ‘second charge’.

It is different from an unsecured loan as the lender takes a legal charge over your property as collateral.

homeownerimage Home

How much can I borrow with a Homeowner Loan ?

The amount you can borrow with a home owner loan will depend on 2 main factors. Firstly the amount of equity you currently have in your property. This is the difference between the value of your property minus the mortgage or any other loans on the property. For example if your property is worth £300,000 and you mortgage is £100,000. This means that the equity in your property is £2000,000. Banks will normally lend up to a maximum of 90% of the equity. This would mean you could take out a home owner loan of up to £180,000.

The second factor is also dependent on your current income and other monthly expenses. Home owner Loans will assess your situation individually and come back to you with the most suitable loan at the lowest rate of interest. Homeowner Loans are often changing so we make sure we are always finding you with the best lenders available in the UK.

We have access to subsidiaries of High Street Lenders offering the lowest APR’s on the market to those who can help with bad credit history. Just because you have an impaired credit rating, does not mean you cannot get finance. Our application form is FREE and you will not receive a credit search unless you give your verbal authority when a loan advisor calls you.