Loans

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Home owner loans
Home improvements such as loft extensions, conservatories; personal spending on holidays, cars, boats; debt consolidation to pay off your credit cards and overdraft etc, to reduce your monthly outgoings... you may use your home owner loan for whatever purpose you choose as long as it's legal!

A home owner loan is a loan that is secured against your UK property in the same way as your mortgage.

It is sometimes referred to as a secured loan, second mortgage or a second charge, because in the unlikely event of your defaulting on the loan, the lenders are repaid only after your original mortgage has been repaid to the original lender, who has first charge rights.

Personal loans
You do not need to own a UK property to get a personal loan and, like a secured loan, you can use your loan for whatever purpose you wish! It will only take a few moments to check the loans available to you and to apply online for a fast decision. Just click the 'How do I get a personal loan?' arrow below.

Remember, if you are a UK property owner and are ever turned down for a personal loan, our loan advisers may be able to achieve a home owner (secured) loan for you. Just call us for a free one-to-one consultation.