Secured Homeowner Loans

Top deals

Top rate

AA

5.3%
£7,500 - £15k
1-7 years

Check eligibility Representative Example: The representative APR is 5.3% so if you borrow £10,000 over 5 years at a rate of 5.3% (fixed) you will repay £189.52 per month & total amount payable £11,371.03.

Post Office

5.9%
£7,500 - £15k
1-7 years

Check eligibility Representative Example: The representative APR is 5.9% so if you borrow £10,000 over 5 years at a rate of 5.9% (fixed) you will repay £192.15 per month & total amount payable £11,529.01.

Santander

6.3%
£7,500 - £15k
1-5 years

Check eligibility Representative Example: The representative APR is 6.3% so if you borrow £10,000 over 5 years at a rate of 6.3% (fixed) you will repay £193.91 per month & total amount payable £11,634.61.

Shawbrook

6.6%
£10k - £500k
3-25 years

Check eligibility Representative Example: The representative APR is 6.6% so if you borrow £10,000 over 5 years at a rate of 6.6% (fixed) you will repay £195.23 per month & total amount payable £11,713.96.

If you are looking for a secured homeowner loan, we can help you find the most competitive deal on the market.

As well as offering homeowner loan lenders for people with good credit histories we also work with secured homeowner loan brokers who search the UK secured loans market to find you the best rate.

Secured Loans from £10,000 to £2.5m
Adverse Credit and CCJs loan applications considered
Loans Up to 30 years
Leading UK secured lender deals compared

For the latest secured loan deals see the latest deals above or contact us on 0117 313 8872 or complete our loan enquiry form

Secured homeowner loans offer borrowers the opportunity to lend fairly large amounts of money over long periods. Lenders are more willing to offer borrowers attractive interest rates and terms on these loans as the loan must be secured by the borrower’s property, reducing the risk of lenders not getting a return on their investment.

Secured homeowner loans can be used for practically any purpose, providing it’s not illegal or for commercial gain. This flexibility along with the lower costs and attractive terms are the main reasons as to why these loans are becoming so popular amongst UK consumers.

Secured homeowner loan eligibility checklist

Like any financial product, lenders have a set of requirements they want to see before handing out loans. Generally, these requirements will vary depending what lender you visit. Some of the typical requirements you can expect to see when applying for a secured homeowner loan are:

You must be a homeowner – In order to be considered for a secured loan, you’ll need to have equity in a property that can be leveraged across the loan.

A steady income – The secured loan provider will want to see that you can repay the amount that you are borrowing.

A reasonable credit score or extra equity – A Secured loan provider may look at your credit score to evaluate how well you can manage your debt in the past. However, many lenders are willing to overlook bad credit ratings providing that you have enough equity in your home.

You must be within the age limit – Many secured homeowner loan providers impose upper and lower age limits. Typically they only lend to lenders between 18 and 70. However, these age restrictions will vary wherever you go, and there could still be lenders willing to offer you secured homeowner loans at older ages.

If you are unsure as to whether you’re eligible for a secured homeowner loan, it’s worth contacting a mortgage broker who can help evaluate your circumstances and find you a deal.

Our services

The majority of secured homeowner loan lenders only work through authorised intermediaries, such as ourselves; which is why we recommend that you contact a mortgage broker to give you the best chances on getting a leading deal on your secured loan. In addition to giving you access to leading and exclusive secured loan deals, our team of specialist secured homeowner loan advisors can give you assistance and guidance throughout the whole of the application process, and even beyond this.