Loan Against Property

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.

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How To Get A Loan Against Property

There are various ways you can get a loan against property in the UK.

Here is a list of the different types of borrowing that may suit your requirements:

Mortgage – A mortgage is a type of long term finance secured on property. A mortgage will be secured on the property for a term of typically 5 to 30 years although some lenders have terms up to 40 years.
Second charge mortgage – often referred to as homeowner loans or secured loans, second charge mortgages sit behind a first charge mortgage and are often used to raise finance for home improvements or for providing a deposit on a second property.
Lifetime mortgage – This type of loan allows homeowners who are 55+ to draw down equity from their properties. The amount of capital you can withdraw will depend on your age and the current borrowing on the property. Lifetime mortgages have the advantage of allowing homeowners to choose whether they want interest rolled up rather than making monthly repayments.
Bridging loan – This is short-term borrowing on a property, typically up to 12 months on a residential property & allows homeowners to cover a funding gap, e.g. where they are looking to buy a property before selling their current primary residence. Bridging loans are often used by property developers to buy, refurb and sell or let out property. They offer a quick way to access finance secured against property. Using a bridging loan calculator can help you see how much you can borrow on this basis.

Use our loan against property service to find the right property finance for your situation.

Our property loan service provides:

Help finding a loan against property from £10,000 to £2.5m
Creative solutions for using loans against property to make things happen
Adverse Credit and CCJs loan applications considered
Loans from 3 months to 30 years
Finance for UK residents, expats and foreign nationals

Call our expert team us on 0117 313 8872

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. If you are at all unsure of the suitability of a particular product for your circumstances you should seek independent financial advice.