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Simple, no fuss loans for homeowners

Simple, no fuss loans for homeowners’s AI-driven service compares hundreds of loans to help find your best offer

Remember homeowner/secured loans are secured against your home putting it at risk. You may also end up paying more in interest than you would do on an unsecured loan.

Why choose

Low cost loans

Interest rates between 6.4% – 29% APR

AI-driven service

Instantly offers you the best rates

Up to 50% cheaper broker fees (5.9% max*)

Compared to the average secured loan broker

Low cost loans for homeowners

If you own your home, you could access a range of homeowner loans through — often with lower interest rates than unsecured loans.

That’s why a homeowner loan could be a good choice if you’re looking to keep your monthly repayments low. But bear in mind you may pay more in the long run if you choose to repay over a longer term. Get a quote today to see if you’re eligible.

    Open up a world of choice

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      Borrow £15,000 – £1.5 million

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      No upfront fees or hidden charges

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      Less than perfect credit scores considered

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      Exclusive rates and plans from some lenders

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      Up to 50% cheaper broker fees than most major brokers (*5.9% of your loan amount, max.)

    How it works

    1. 1

      Fill out’s quick and easy online application (no impact on your credit score)

    2. 2

      View your results, then pick up the phone to proceed

    3. 3

      Wait until your loan arrives

    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. If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay. It’s a good idea to set up a direct debit so never miss a repayment. is a credit broker, not a lender.

    *The maximum broker fee you could be charged is 5.9% of the value of your loan, compared to the average broker fee of 12% in the secured loan market according to

    Representative example

    Based on borrowing £18,000 over 120 months. Interest Rate: 7.4% fixed for 60 months with instalments of £241.40. Followed by 60 months at the lenders standard variable rate of 7.9% with instalments of £244.95. Fees: Broker fee (£1,062); Lender fee (£595). Total amount payable £31,063.20 including broker fee and lender fee. Overall cost of comparison 9.5% APRC. This means 51% or more of our clients receives this rate or better for this type of product. We have arranged borrowing with rates from 4.9% to 29% APRC which has allowed us to help customers with a range of credit profiles. is a broker not a lender.

    Need help?

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

    The future of loans and mortgages makes finding a loan easy with their AI companion, Albot. It analyses thousands of loans from hundreds of providers in seconds, finding the lowest interest rates for your situation. 


    It’s quick and accurate and means you could find an offer faster than with other brokers. But don’t worry — when it’s time to get into the details, a qualified adviser will be on hand to help with your application.

      As featured in... is making waves

      Start your hassle-free search

      See what homeowner loans you could get with’s award-winning, AI-driven service’s primary mission is significantly reducing borrowing costs making financial solutions more accessible and affordable for homeowners. They take pride in offering fees that are up to 50% lower than other major brokers in the market.

      You’ll need to be a homeowner to qualify for a homeowner loan. Also known as home equity loans, homeowner loans let you borrow a lump sum of money that is “secured” against your property. As a result, the lender is usually happier to lend you more money, offer you better rates or extend the repayment schedule to make things easier for you.

      Yes. work with many lenders who can offer mortgage and loan products that may be suitable for customers with lower credit ratings. Their expert team of advisers are here to help. is at the very forefront of using advanced AI technology. Their customer app will assist you in providing all the relevant information required for them to help. After an initial chat their expert loan team will begin to find a suitable lender and once approved, process your application. You could have the money within six weeks.

      Once approved, you should receive your money within six weeks.

      Unlike personal loans, homeowner loans let you borrow the money you need for up to 35 years. This lets you spread the cost out into manageable monthly repayments.

      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: 5th Floor, Halo, Counterslip, Bristol, BS1 6AJ. Credit is available, subject to status, only to UK residents aged 18 or over.

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