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Open doors with a homeowner loan

Open doors with a homeowner loan

Believe Loans could get your plans back on track, even if you’ve been turned down for credit in the past. (Typical 11.4% APR).

Believe Loans

Why choose a homeowner loan?

Unlock more borrowing options

All credit profiles considered

Market-leading interest rates

Rates between 6.3%–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

  1. 1

    Tell Believe Loans how much you need to borrow

  2. 2

    They’ll search their network of lenders for you

  3. 3

    Choose the deal you want

  4. 4

    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.

Need help?

If you’re struggling with debt or repayments, find out the next steps to take.

A hassle-free experience

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    Rated 5 stars for customer service on Trustpilot

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    Best Secured Loan Broker 2022

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    Your own fully qualified advisor

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    Quick and easy application

Find your best deal

Get a quick and easy free quote from Believe Loans today

Find me an offer

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 49.9% 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.

We're on a mission to help everyone move their finances forward and gain financial momentum.


TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

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