See if you qualify for a homeowner loan.
Answer a few quick questions and we’ll match you with the UK’s leading lenders. Soft check only – your credit score stays untouched.
- Market-leading rates from the UK's top lenders
- Borrow from £10,000 up to £500,000+
- Compare offers in one place, no juggling forms
- Free, no-obligation quotes - won't impact your credit
We've now helped over 3000+ UK homeowners
Whatever your goal, a homeowner loan can unlock the value tied up in your property — on terms that work for you.
01
Pay off Debts
Consolidate high-interest debts — credit cards, personal loans, car finance, council tax and more — into one manageable monthly payment.
02
Home Improvements
Raise cash for that new kitchen, loft conversion or extension — and add lasting value to your home in the process.
03
Bad Credit Loans
Even with a poor credit history, there are many secured loan options available at reasonable rates from specialist lenders.
The loan that lives inside your walls.
A homeowner loan – sometimes called a second-charge mortgage – lets you borrow against the equity you’ve already built, while leaving your existing mortgage exactly where it is. No remortgage. No new fixed-rate to break. Just a separate, secured line of money sitting quietly behind the first charge on your home.
01.
It sits second in line
Your existing mortgage remains your first charge. A homeowner loan is secured against your property too, but it sits behind your mortgage in repayment priority.
02.
It doesn't touch your mortgage
If you’re locked into a competitive fixed rate, a remortgage could cost you thousands in early repayment charges. A homeowner loan means we can borrow money without touching your mortgage deal.
03.
It's faster and more forgiving
Self-employed, contracting, or carrying a few credit bumps? Second-charge lenders look at the whole picture, not just a checkbox. Funds typically land in 2–3 weeks.
Best suited for
- Funding a renovation or extension
- Consolidating higher-interest debt
- Bridging a deposit on a second property
- Covering a tax bill or business cash-flow gap
Find Out if You Qualify in 3 Simple Steps...
A quick, straightforward path to getting the support you deserve.
01.
Complete a quick 30-second assessment
Tell us a bit about your situation so we can match you with the right support.
02.
Speak with a dedicated expert
Get personalized guidance from a friendly specialist who truly understands your needs.
03.
Receive your tailored plan
Sit back and relax while we handle the details and set you up for success.
Three quiet wins behind every approval.
Not slogans. The three things our broker desk hears, almost word-for-word, from homeowners after their funds land.
Lower monthly outlay
Your repayments breathe.
Rolling four or five higher-rate balances into one secured plan typically lifts £180–£420 of pressure off the monthly budget — without extending the original mortgage.
No diary clearance
Done around your week.
Everything — fact-find, document upload, valuation booking, completion — happens by phone, email and e-sign. No branch visits, no taking a day off work, no awkward appointments.
Whole-of-market access
Lenders the high street won't show you.
We’re partnered with twenty-plus specialist second-charge lenders — including names that only deal through intermediaries — so the same income story is scored across a much wider room.
Frequently Asked Questions
Find answers to common questions here.
Typically, you can borrow up to 85% of your primary home’s equity. If the loan is secured against an investment or Buy-to-Let property, the borrowing limit is generally capped at 80% LTV, depending on your income profile.
A secured loan is registered as a secondary charge, meaning it doesn’t impact your main mortgage’s Loan-to-Value calculation. When your primary mortgage term ends, you can choose to remortgage normally or consolidate both loans into a single agreement.
Most secured loan applications are approved within 3 to 5 weeks. Once approved, the funds are typically transferred to your bank account within 7 days. If time is critical, your advisor can prioritize lenders known for rapid processing.
Yes, many specialist lenders specifically cater to homeowners who have faced past credit challenges, such as missed payments or defaults. Your mortgage broker will assess your profile to match you with a lender that suits your situation.
The primary difference lies in collateral. A secured loan is backed by your property, which enables lower interest rates and higher borrowing amounts over longer terms. An unsecured loan relies solely on your credit score, has lower limits, and typically carries higher rates.
You have full flexibility. Homeowners commonly use these funds for home improvements (like loft extensions, new kitchens, or garden makeovers) or consolidating higher-interest debts (such as store cards or car finance) into one monthly payment.