Why choose a homeowner loan?
Unlock more borrowing options
All credit profiles considered
Market-leading interest rates
Rates between 5.2%–49.9%
Quick and easy application
Plus a fully qualified advisor
Exclusive loans, just for homeowners
From home improvements, to debt consolidation — a homeowner loan could give you options even if you’re struggling to access credit elsewhere
Borrow £5,000 – £500,000
No upfront fees or hidden costs
Market leading rates for homeowners
You could be accepted, even with a low credit score or CCJs
How it works
Tell Believe Loans how much you need to borrow
They’ll search their network of lenders for you
Choose the deal you want
The money lands in your account — usually within two weeks
Need to know
A homeowner loan is secured against your property. Make sure you can afford the repayments for the duration of the loan. YOUR HOME MAY BE REPOSSESSED IF YOU DON’T KEEP UP WITH YOUR PAYMENTS. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. You may be able to apply for credit that doesn’t need to be secured against your home. Don’t borrow more than you can afford. It’s a good idea to set up a direct debit so never miss a repayment.
If you’re struggling with debt or repayments, find out the next steps to take.
A hassle-free experience
Rated 5 stars for customer service on Trustpilot
Best Secured Loan Broker 2022
Your own fully qualified advisor
Quick and easy application
Believe Loans is part of the Believe Money Group, established in 2017. They’re a credit broker, not a lender — working with a number of different lenders to offer you a wide range of credit products. They offer rates from 6.3% to 49% APR and loan terms from 3 years to 30 years.
To be eligible for a homeowner loan with Believe Loans, you must be a homeowner. All credit profiles are considered. Minimum loan amount of £5,000. Must be a UK resident. Must have a monthly income of at least £1,500.
Yes. Believe Loans work with lenders who offer products specifically designed for customers with lower credit ratings. Believe Loans will explore all options to help you secure the money you need.
Believe Loans use a secure online portal where you’ll be asked to enter your information and upload any documents. Shortly after you apply, Believe Loans will contact you to discuss your application. If you’re approved and decide to proceed, you should receive your money within two weeks.
If you’re approved for a homeowner loan, you should receive your money within two weeks. You could even have it in as little as 10 days.
Your loan terms will be agreed when you choose a loan and lender. You’ll be told at this point how long you’ll have to repay and how much you’ll need to pay back each month. Believe Loans offer loan terms from 3 years to 30 years.
Mortgage arrears are a ‘priority debt’ and should be paid before other debts like credit cards, as you could lose your home if you fall behind on payments.
If you’re struggling to pay back the loan you should contact the lender as soon as possible to discuss your options. They may be able to restructure your debt to make it more affordable or give you a short repayment holiday if this sort of temporary measure is likely to help.
Before changing the secured loan, you should understand how the change may affect you by getting independent financial advice.