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"I cannot begin to tell you how amazing my experience of this fantastic company was! I would thoroughly recommend to any of my friends needing their services."

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From an award-winning broker

We search over 5,700 loans with exclusive rates for homeowners

Free homeowner loan quote now

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Whether you need a homeowner loan or a mortgage on a property, all our quotes are free and given with pleasure.


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Your homeowner loan in 4 simple steps


Tell us what you need

Fill out our online application form to get things moving. We will find the lowest rate homeowner loan that suits you best.

Check the loan details

Good to go? Now’s the time to make sure that you’re happy with your homeowner loan and rate. And you’re confident that you can afford the repayments.

Chat with the lender

Taking out a large loan? Our lender will give you a quick call to discuss the homeowner loan. It’ll only take a few minutes and protects you and the lender.

Receive your homeowner loan

And it’s done! Your homeowner loan will land directly in your bank account, ready for you to enjoy. And things will be even simpler if you fancy using our service again.

Don’t just take our word for it


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Kaarina Dougherty

“Amazing service from start to finish. Regular updates from Wouldn't hesitate to recommend to friends and family. ”

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Emma D.

“Just so unbelievably quick - found me an answer within 2 days, where I'd been struggling for weeks.”

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A. Holligan

“What a wonderful service we have received from We can not thank you enough for your help arranging our loan. First class customer service. ”

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Wendy Dewhurst

“Very easy to apply. Found the right deal for me with them doing all the legwork. Very friendly staff, happy to help with anything.”

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Mrs Marks

“I can highly recommend the overall service. gave the best offer and sorted everything for me on a very professional basis. Cannot praise them enough. ”

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Anne & Michelle

“I would like to thank, for being with us every step of the way. Always quick to reply to emails. Processed the loan quickly. ”

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John S

“ kept us informed through the whole process. We got our loan at a great interest rate and I can’t recommend this company highly enough. Trustworthy.”

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Mark Gregory

“Friendly and supportive. Communication was brilliant, very helpful and informative. Made the process from start to finish easy. Would strongly recommend.”

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Francis Kennedy

“ was very efficient and supportive in arranging my loan. The staff were particularly helpful and courteous.”

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What is a homeowner loan?

A homeowner loan (second charge mortgage) is a loan available to homeowners only. It enables you to borrow money against the value of your property as long as you have equity in it. This type of loan can enable you to borrow more, over a longer term and at a lower interest rate than an unsecured loan (such as a personal loan). This can mean lower monthly payments. They can be a great alternative to a remortgage. Especially if you’d face penalties for repaying your current mortgage, if your circumstances have changed or the rates on offer are higher than that you’re already paying.

A homeowner loan can be used for almost anything. Many people use homeowner loans to consolidate debt (pay off lots of loans and credit card balances) or to make home improvements.

Your mortgage and homeowner loan are completely separate, so any mortgage deal you have in place isn’t affected. But remember that your mortgage and your amount of equity in your property might affect how much you can borrow with a homeowner loan in the first place.

How does a homeowner loan work?

Homeowner loans are a type of secured loan that is secured against your property. This means that the property is used as collateral.

Homeowner loans are often taken out in addition to an existing mortgage. This means that the mortgage is the first borrowing against the property, known as the ‘first charge’, with the homeowner loan as the second borrowing or ‘second charge’. That is why homeowner loans are sometimes known as ‘second charge mortgages’ or ‘second mortgages’. They are also known as home equity loans, as they use your home’s equity (the value of your interest in your home) as collateral.

How much can I borrow with a second charge loan?

You can borrow between £10,000 and £10,000,000.

You can usually borrow up nearly the amount as you have equity in your property. ‘Equity’ means the proportion of your property that you own outright, free and clear of a mortgage or other loans secured against it. A secured homeowner loan usually offers flexible repayment terms, so you could choose to spread your repayments over a longer period than is usually possible with an unsecured loan.

Be sure to only borrow the amount you need and over the shortest time period you can afford, as a secured loan is secured against your home, so if you miss repayments it could put your property at risk.

Do I need a deposit for a homeowner loan?

No, you are not using the loan to purchase an asset, such as with a mortgage, so a deposit is not required.

What will lenders look at when deciding if I’m eligible for a homeowner loan?

Typically, they will look at your credit history and credit score, but in this case, because the loan is secured on your house, the lenders will also want to know the value of the property and the sum still outstanding on the mortgage (if anything) and whether there are any other loans secured on the property.

What would I use a secured homeowner loan for?

A homeowner loan, sometimes known as a second charge mortgage or a secured loan, can be used for almost anything. The most common reasons are debt consolidation, home improvements or large personal purchases.

If you’re looking to consolidate your existing debts, such as credit cards and high rate loans, you can take advantage of a lower interest rate and cut the amount going out on monthly repayments.

Why would I choose a secured homeowner loan?

The rates are normally very competitive and if you are a homeowner and need to borrow more than about £35,000 then a lender would normally want security to make sure they get repaid.

As the equity you have in your property is used to guarantee your repayments, homeowner loans are a good option if you have a poor credit history or are self-employed and would otherwise struggle to get approval for a large loan at a good rate.

How is the second charge mortgage repaid?

As with most types of loan, the repayments will be collected automatically via Direct Debit. The interest rate and amount will typically be fixed for the duration of the loan, making it easy for you to budget for it.

How long is the repayment period?

Just like mortgages, homeowner loans offer long-term borrowing. At, homeowner loan terms range from five to 35 years.

What happens if I can’t repay the loan?

You could reach out to the lender to explain why you are having problems repaying the loan. Based on this, they may work with you on a suitable repayment plan. But, if you don’t work with the lender and continue to miss payments, they could repossess your home as a last resort. That is because with a homeowner loan, you are essentially promising to use your property to pay the money back if you cannot make the repayments.