Are you a homeowner? Yes No Loan amount 5,000 6,000 7,000 8,000 9,000 10,000 11,000 12,000 13,000 14,000 15,000 16,000 17,000 18,000 19,000 20,000 21,000 22,000 23,000 24,000 25,000 26,000 27,000 28,000 29,000 30,000 32,000 34,000 36,000 38,000 40,000 42,000 44,000 46,000 48,000 50,000 55,000 60,000 65,000 70,000 75,000 80,000 85,000 90,000 95,000 100,000 How soon do you need the money? Select ASAP Within Next Month Within Next 3 Months Not Urgent Purpose of loan Select Debt Consolidation Refinancing House Purchase Home Improvement Remortgage - Home Improvement Wedding Car Holiday Business Other Any UNSETTLED defaults or CCJs from the last 3 years? Yes No Uncertain Type of application Individual Joint Title Select Mr Mrs Ms Sir Dr Firstname Surname Employment status Select Employed Unemployed Self-Employed Director Director-Owner Retired Agency Worker Second Applicant: Title Select Mr Mrs Ms Sir Dr Firstname Surname Employment status Select Employed Unemployed Self-Employed Director Director-Owner Retired Agency Worker Email address Daytime phone number Evening phone number Mobile phone number Address Town County Postcode I / We agree to the terms and conditions [Ensure that your details are correct before submitting]

Secured Loans > Homeowner Loans

Homeowner loans can provide you with the money you need for a number of uses, and thanks to their high borrowing limit they are suitable for a wide range of things including expensive things such as home extensions. This type of loan is secured against the borrower’s home, hence the name, and due to the reduced risk to the lender they have very favourable rates of interest.

Our loan enquiry service is designed to make it as simple and hassle-free as possible for you to get the loan that you need. By simply completing our short form you can have our loan brokers search the homeowner loans available in the UK, including many exclusive deals, in order to find one that is right for your needs. Being a homeowner does open up the range of loans available to you, as you will have the option of a secured or unsecured loan, while this is a good thing in terms of being able to find the loan that you need, it does mean that there is more for you to search through - our service can save you from having to do so.

If you do not wish to take advantage of this free service, and prefer to get the information on the loans available to you yourself then we recommend that you start your search with our featured lender, or the company highlighted in our loan spotlight below, both of which are excellent lenders to turn to for your homeowner loan.

Shopping around for the best deal is always recommended, there are many lenders in the UK market and the rates on offer between them can vary quite a lot. Finding a loan to meet your needs whilst offering a good low rate of interest can be time-consuming, which is why we suggest people use our free loan enquiry service as that way we will do the legwork for you.

When looking for a loan you need to pay attention to the APR (annual percentage rate) as it is this that determines the cost of it. This figure takes into account the interest rate as well as any arrangement fees and so gives a good means with which to directly compare the loan deals from different lenders.

You should check to see if the rate shown is fixed for the life of the loan, or if it is simply and introductory rate that will increase after the initial period. There is of course nothing wrong with loans that do have a low initial rate, as long as you are aware of this and the standard rate that it changes to is competitive otherwise you should look elsewhere and not be swayed by the attractive headline figure.

Secured loans, which homeowner loans are, typically carry lower rates of interest when compared to other forms of loan, and as such finding a low-rate loan that you are happy with should be fairly straightforward. If you do want arranging one to take the minimum of time and effort, then make use of our loan enquiry service, otherwise be sure to check out the lenders recommended by us on this page.

When applying for a homeowner loan, you can make a joint application by putting down the name of a second applicant, such as your partner. This has a number of advantages over single person applications as the lender can take into account the two people’s salaries, and as such the borrowing limits are typically going to be higher. There are certain things to consider before taking this approach, firstly both parties will be equally liable for the debt and so you need to be sure that you can both afford to meet the repayments. While it is usually beneficial to make a joint application, it should be noted that if one of the applicants has a poor credit rating it would be better to leave them off the application.

Making a joint application will make it more likely that you will be approved for a loan, and is a good approach if you are looking to borrow a large amount of money as having the two salaries to take into account, the lender will be able to offer larger amounts and still be confident that you will be able to meet the repayments.