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 LTV | Loan | Annual Rate | Term | ||||||||||||||||||||||||||||||||||||||||||||||

Minimum | Maximum | Minimum | Maximum | ||||||||||||||||||||||||||||||||||||||||||||||

Shawbrook Bank Platinum Exclusive Secured Loan | 50% | £20,000 | £100,000 | 5% | 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 | £200,000 | 5.59% | 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 | £2,500,000 | 6.5% | 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 | £200,000 | 6.54% | 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 | £100,000 | 6.75% | 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 | £100,000 | 6.9% | 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 | £150,000 | 6.9% | 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 | £200,000 | 7.01% | 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 | £39,999 | 7.01% | 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 | £39,999 | 7.2% | 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 | £100,000 | 7.5% | 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 | £2,500,000 | 7.5% | 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 | £150,000 | 7.5% | 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 | £100,000 | 7.7% | 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 | £74,999 | 7.75% | 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 | £200,000 | 7.75% | 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 | £200,000 | 7.94% | 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 | £39,999 | 8.12% | 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 | £100,000 | 8.59% | 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 | £500,000 | 8.75% | 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.

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

- 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.**

- 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.**

- 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.**

- £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.**

- £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.**

- 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.**

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

## 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.