Compare Homeowner Loans

Compare homeowner loans from the UK's best homeowner loan lenders side by side using our cheapest home owner loan best buy comparison and find a cheap home loan that suits your circumstances in minutes. We make it easy to secure a low rate homeowner loan that charges you the lowest interest rate possible whatever you want to borrow.
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 Max LTVLoanAnnual RateTerm 
MinimumMaximumMinimumMaximum
Shawbrook Bank
Platinum Exclusive Secured Loan
50%£20,000£100,0005%
3
years
25
years
Representative Example: The Representative APR is 5% (variable) so if you borrow £20,000 over 10 years at a rate of 4.9% p.a. (variable) you will repay £211.15 per month & total amount payable £25,455.60.
You must be a homeowner to apply as this loan will be secured against your home.
Exclusively available when you get a quote through money.co.uk.
Nemo Personal Finance
 
Nemo's cheapest Secured Loan
55%£40,000£200,0005.59%
3
years
25
years
Representative Example: The Representative APR is 6.2% (variable) so if you borrow £100000 over 25 years at a rate of 5.592% p.a. (variable) you will repay £644.38 per month & total amount payable £154,651.20.
You must be a homeowner to apply as this loan will be secured against your home.
Prestige Finance
 
Super Sized Secured Loan from 6.5%
50%£100,000£2,500,0006.5%
3
years
25
years
Representative Example: The Representative APR is 6.86% (variable) so if you borrow £500000 over 20 years at a rate of 6.5% p.a. (variable) you will repay £3772.56 per month & total amount payable £905,414.40.
You must be a homeowner to apply as this loan will be secured against your home.
Nemo Personal Finance
 
Secured Loans for Self Employed 6.7% APR
55%£40,000£200,0006.54%
3
years
25
years
Representative Example: The Representative APR is 8.4% (variable) so if you borrow £40000 over 10 years at a rate of 6.54% p.a. (variable) you will repay £384.26 per month & total amount payable £46,111.20.
You must be a homeowner to apply as this loan will be secured against your home.
Prestige Finance
 
Prestige Finance most affordable secured loan
70%£10,000£100,0006.75%
3
years
25
years
Representative Example: The Representative APR is 8.47% (variable) so if you borrow £50000 over 15 years at a rate of 6.75% p.a. (variable) you will repay £482.28 per month & total amount payable £86,810.40.
You must be a homeowner to apply as this loan will be secured against your home.
Shawbrook Bank
Shawbrook Banks lowest standard rate
65%£20,000£100,0006.9%
3
years
25
years
Representative Example: The Representative APR is 9.2% (variable) so if you borrow £40000 over 15 years at a rate of 6.9% p.a. (variable) you will repay £402.23 per month & total amount payable £72,401.40.
You must be a homeowner to apply as this loan will be secured against your home.
Shawbrook Bank
Flexible low rate Secured Loan
50%£100,001£150,0006.9%
3
years
25
years
Representative Example: The Representative APR is 9.2% (variable) so if you borrow £40000 over 15 years at a rate of 6.9% p.a. (variable) you will repay £402.23 per month & total amount payable £72,401.40.
You must be a homeowner to apply as this loan will be secured against your home.
Nemo Personal Finance
 
Part of the Principality Building Society Group
70%£40,000£200,0007.01%
3
years
25
years
Representative Example: The Representative APR is 8.3% (variable) so if you borrow £50000 over 20 years at a rate of 7.008% p.a. (variable) you will repay £418.92 per month & total amount payable £100,540.80.
You must be a homeowner to apply as this loan will be secured against your home.
Nemo Personal Finance
 
Low Rate secured loan from 7%
65%£7,500£39,9997.01%
3
years
25
years
Representative Example: The Representative APR is 8.9% (variable) so if you borrow £30000 over 15 years at a rate of 7.008% p.a. (variable) you will repay £296.76 per month & total amount payable £53,416.80.
You must be a homeowner to apply as this loan will be secured against your home.
Nemo Personal Finance
 
Secured loan at competitive rate
70%£7,500£39,9997.2%
3
years
25
years
Representative Example: The Representative APR is 10.9% (variable) so if you borrow £15000 over 10 years at a rate of 7.2% p.a. (variable) you will repay £201.27 per month & total amount payable £24,152.40.
You must be a homeowner to apply as this loan will be secured against your home.
Prestige Finance
 
Part of the One Savings Bank Group
75%£10,000£100,0007.5%
3
years
25
years
Representative Example: The Representative APR is 9.69% (variable) so if you borrow £40000 over 15 years at a rate of 7.5% p.a. (variable) you will repay £421.58 per month & total amount payable £74,253.60.
You must be a homeowner to apply as this loan will be secured against your home.
Prestige Finance
 
Super Sized Secured Loan from 7.5%
65%£100,000£2,500,0007.5%
3
years
25
years
Representative Example: The Representative APR is 7.84% (variable) so if you borrow £1000000 over 25 years at a rate of 7.5% p.a. (variable) you will repay £7434.21 per month & total amount payable £2,230,263.00.
You must be a homeowner to apply as this loan will be secured against your home.
Shawbrook Bank
Flexible low rate Secured Loan
65%£100,001£150,0007.5%
3
years
25
years
Representative Example: The Representative APR is 8.3% (variable) so if you borrow £150000 over 20 years at a rate of 7.5% p.a. (variable) you will repay £1254.15 per month & total amount payable £300,996.00.
You must be a homeowner to apply as this loan will be secured against your home.
Shawbrook Bank
Flexible low rate Secured Loan
75%£20,000£100,0007.7%
3
years
25
years
Representative Example: The Representative APR is 9.7% (variable) so if you borrow £50000 over 15 years at a rate of 7.7% p.a. (variable) you will repay £516.41 per month & total amount payable £92,953.80.
You must be a homeowner to apply as this loan will be secured against your home.
Nemo Personal Finance
 
Simple, straight forward process
75%£7,500£74,9997.75%
3
years
25
years
Representative Example: The Representative APR is 12.3% (variable) so if you borrow £40000 over 15 years at a rate of 7.752% p.a. (variable) you will repay £472.07 per month & total amount payable £84,972.60.
You must be a homeowner to apply as this loan will be secured against your home.
Shawbrook Bank
Flexible low rate Secured Loan
50%£150,001£200,0007.75%
3
years
25
years
Representative Example: The Representative APR is 8.5% (variable) so if you borrow £175000 over 20 years at a rate of 7.75% p.a. (variable) you will repay £1484.52 per month & total amount payable £356,284.80.
You must be a homeowner to apply as this loan will be secured against your home.
Nemo Personal Finance
 
Secured Loans for Self Employed 8.2% APR
70%£40,000£200,0007.94%
3
years
25
years
Representative Example: The Representative APR is 10% (variable) so if you borrow £40000 over 10 years at a rate of 7.944% p.a. (variable) you will repay £419.07 per month & total amount payable £50,288.40.
You must be a homeowner to apply as this loan will be secured against your home.
Nemo Personal Finance
 
Secured Loans for Self Employed 8.4% APR
65%£7,500£39,9998.12%
3
years
25
years
Representative Example: The Representative APR is 10.9% (variable) so if you borrow £15000 over 10 years at a rate of 8.124% p.a. (variable) you will repay £201.27 per month & total amount payable £24,152.40.
You must be a homeowner to apply as this loan will be secured against your home.
Nemo Personal Finance
 
High LTV secured loan
55%£7,500£100,0008.59%
3
years
25
years
Representative Example: The Representative APR is 10.7% (variable) so if you borrow £40000 over 15 years at a rate of 8.592% p.a. (variable) you will repay £435.66 per month & total amount payable £78,418.80.
You must be a homeowner to apply as this loan will be secured against your home.
Shawbrook Bank
Low rate Secured Loan 8.75%
50%£200,000£500,0008.75%
3
years
25
years
Representative Example: The Representative APR is 8.5% (variable) so if you borrow £175000 over 20 years at a rate of 8.75% p.a. (variable) you will repay £1484.52 per month & total amount payable £356,284.80.
You must be a homeowner to apply as this loan will be secured against your home.
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Secured loans typical APR: 16.8% variable.

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Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are displayed with non-faded buttons.

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How to Find the Best Homeowner Loans

If you need to borrow a large sum of money and donít mind using your home as a guarantee youíll pay it back, our guide to the best homeowner loans could help you find what you need.

House Made Of Coins

Whether you’re looking to make a significant purchase, make some improvements to your home or consolidate your existing debts into something more affordable, you’ll need a loan if you don’t have the capital required up front.

If you own your own property, a home owners loan is an option that could allow you to borrow far more than an unsecured loan would. Having said that, it’s also a risk; a secured loan is taken out against your property, so if you don’t make your repayments your home could be repossessed. They can also work out to be expensive, as they usually have long terms, which pushes up the total amount of interest you’ll pay overall.

What to consider

There’s more to finding the right loan than just looking for the best interest rate…

Decide how much you need to borrow

Working out how much you need to borrow will make it easier to find the right loan and work out how much it should cost.

Work out how long you need to repay the loan

When you choose a loan with a longer term, the amount you’ll need to pay each month will be lower, but the total amount of interest you’ll pay overall will increase. To make it as cheap as possible, try to keep the term as short as you’re able to, while still making sure you can afford the monthly payments.

Choose a fixed or flexible loan

  • Fixed rate loans let you to pay the same amount each month, so planning your budget is much easier
  • Flexible loans have interest rates that aren’t guaranteed to stay the same, meaning the amount you pay each month isn’t set in stone, so it can be hard to plan ahead. Unlike fixed rates, they do let you make overpayments or even pay off the loan early
  • Short term fixed rate loans have a frozen interest rate for a specified time, then switch to a variable rate

Look into the fees

Arrangement fees, charges for arrears and early repayment fees can all drive up the cost of a home owner loan, so make sure you look out for these and include them when you work out each loan’s total cost.

Compare home owner loans

Once you’ve worked out what you want from your loan, made sure you can afford it and have weighed up the risks, look at the options on our homeowner loan comparison.

Finding a low interest rate will reduce how much you need to pay back, but be sure to assess each loan by the total amount it will cost you and how well it fits your own circumstances as well as the rate.

Protecting yourself

When offering homeowner loans UK lenders will still sometimes suggest Payment Protection Insurance (PPI).

Although such policies were mis-sold in the past, they will protect your repayments if you become ill, injured or unemployed, lessening the risk of losing your home if something goes wrong. Our guide weighs up the benefits.

Options other than a homeowners loan

Secured loans may often be the cheapest choice, but they are also a risk; if you can't meet the loan’s repayments, your house could end up being repossessed. If you’re not willing to risk your house, consider an unsecured loan – our guide looks at the pros and cons.

You could also consider a remortgage instead, and use some of the equity in your house rather than getting a loan. This will mean you spend longer paying off your mortgage, but it could still be the cheapest route.

Using a credit card is another option. Although they often have higher rates than other forms of credit, if you can find a deal offering 0% on purchases and are able to pay the sum back quickly enough, it could be your best bet. Our guide explains how to get the best deal.

Loan Comparison

View all loan reviews.

Alternative Loans

You may want to compare the above loans with the following.

Nationwide Personal Loan (Existing Customers)

  • Get 0 mth deferred start.
  • This Nationwide loan has a max loan term of 5 years.
  • This loan offers 30 days 1st payment due.
  • Get maximum loan of £25,000.
  • Representative Example: The Representative APR is 5.9% (fixed) so if you borrow £10,000 over 4 years at a rate of 5.9% p.a. (fixed) you will repay £233.69 per month & £11,217.12 in total.

Tesco Bank Personal Loan

  • Benefit from a max loan term of 10 years.
  • Minimum loan duration of 1 yr is offered with the loan.
  • 4.5 percent representative APR is available with Personal Loan.
  • £25,000 max loan is available to you.
  • 2 months deferred start is offered with the loan.
  • Tesco Bank gives representative APR of 4.5%.
  • Representative Example: The Representative APR is 4.5% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.5% p.a. (fixed) you will repay £227.62 per month & £10,925.76 in total.

Sainsbury's Bank Standard Small Loan (£5K-£7499) (1-3 Yrs)

  • 2 months deferred start is offered.
  • £0 minimum arrangement fee is available to new customers.
  • Arrangement fee (%) of 0 percent is available with Standard Small Loan (£5K-£7499) (1-3 Yrs).
  • Representative APR of 5.6 percent is offered with Standard Small Loan (£5K-£7499) (1-3 Yrs).
  • 30 days 1st payment due is available to customers.
  • Representative Example: The Representative APR is 5.6% (fixed) so if you borrow £5,000 over 2 years at a rate of 5.6% p.a. (fixed) you will repay £220.39 per month & £5,289.36 in total.

Ulster Bank Ufirst Gold

  • £10,000 minimum loan is available with the loan.
  • You get £25,000 maximum loan from Ulster Bank.
  • New customers take advantage of representative APR of 8.8 percent.
  • 0% arrangement fee (%).
  • Customers get 7 yrs maximum loan term from Ulster Bank.
  • £10,000 to £25,000 representative loan amount.
  • Representative Example: The Representative APR is 8.8% (fixed) so if you borrow £10,000 over 4 years at a rate of 8.8% p.a. (fixed) you will repay £246.25 per month & £11,820 in total.

Sainsbury's Bank Standard Medium Loan (4-5 Yrs)

  • £7,500 to £15,000 representative loan amount is offered to new customers.
  • Get an arrangement fee (£) of £0.
  • 4.5% representative APR is offered with Standard Medium Loan (4-5 Yrs).
  • Get minimum loan period of 4 yrs.
  • Representative Example: The Representative APR is 4.5% (fixed) so if you borrow £10,000 over 4 years at a rate of 4.5% p.a. (fixed) you will repay £227.63 per month & £10,926.24 in total.

Sainsbury's Bank Shopper Reward Large Loan (2-3Yrs)

  • 3 yrs max loan term is available.
  • New customers will get £15,001 to £25,000 representative loan amount.
  • Sainsbury's Bank gives minimum loan length of 2 yrs.
  • Customers get representative APR of 7.1 percent.
  • 1st payment due of 30 days.
  • Representative Example: The Representative APR is 7.1% (fixed) so if you borrow £20,000 over 2 years at a rate of 7.1% p.a. (fixed) you will repay £894.35 per month & £21,464.40 in total.