Find the best Homeowner loan for you

From an award-winning broker

We search over 1,800 loans with exclusive rates for homeowners.


No upfront fees, hidden costs or charges.


Expert friendly advice direct from


Homeowner loans from £5,000 to £5 million


Always get the lowest rate available for you


Partnered with all leading lenders for best loan plans


Adverse and bad credit considered


100’s of 5 star reveiws

❝   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. 

Fiona Young | verified client

Free homeowner loan quote now

❝   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. 

Fiona Young | verified client



Free, no obligation

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


Direct to lender only

Unlike a lot of sites, we only partner with legitimate lenders. We wont give your details to other brokers or intermediaries.

Credit score uneffected

Our lending partners and  use a soft search to check eligibility, so there is no effect on your credit score.

Your homeowner loan in 4 simple steps

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Tell us what loan you need

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

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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.

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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.

Our happy customers

5 stars review - loans experts

“I was so pleased I had someone on our side who seemed to genuinely care about getting this deal done for us.”

Adam Chapman

5 stars review - loans experts

“Unbelievable service. Found the best solution for our second charge mortgage. Managed the whole process with ease.”

Mike Bamber

5 stars review - loans experts

“Found us a loan even though our credit history wasn’t great. They were helpful, friendly and always answered our many questions.”

Marc & Abby Hampstead

4.9 / 5 Rating

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What would I use a 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 homeowner loan?

The rates are normally very competitive and if you are a homeowner and need to borrow more the 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 much can I borrow?

You can borrow between £5,000 and £5,000,000.

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.

How does a homeowner loan or second mortgage work?

Once your second mortgage is agreed by the lender, the money is paid into your bank account and it will be yours to spend on whatever you need or for repaying the old loan you want to pay off. You’ll then start making your agreed monthly repayments to your lender over the term you agreed.

If you’re wondering how to get a second mortgage we’ll be happy to help you at

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