Unsecured personal Loans for homeowners - £3000 to £20000

Loan terms from 3 years up to 10 years

You can take out an unsecured homeowner personal loan for Debt Consolidation, Car or Bike finance, Home Repairs or Improvements, Wedding, Caravan, or for many other purposes

NO Up Front Fees

NO Processing Fees

Representative Example: £11,500 over 66 months, 31.9% APR fixed. Monthly payment £343.29 Annual interest rate 28.01% fixed. Interest payable £11,157.14. Total repayable £22,657.14.

Minimum repayment period: 36 months. Maximum repayment period: 120 months. Maximum APR 34.9%.

Unsecured or secured?

Which is right for me?

Find out here

Why choose us?

Fixed rate

Loans are fixed-rate interest, that means your repayments won’t change

Competitive Rates

Great interest rates ranging from 24.9% to 34.9% APR


Loans are not secured against your home

Fast payout

Loans can be paid out in just a few days

No Guarantor

Loans do not require the support of a guarantor

Everyone considered

Applications considered from customers who have had credit problems in the past

Loans from £3,000 to £10,000

Loan terms from 3 years to 10 years

Frequently Asked Questions

If you are aged 29 or under, you must have a minimum income of £21,600 net per year. Approximately £28,000 gross per year.

If you are aged 30 or over, the minimum income is £15,600 net per year. Approximately ££18,000 gross per year.

Not necessarily. You must be either:

  • Employed;
  • Retired;
  • Sub-contracting; or
  • In receipt of benefits that the lender is willing to accept

Self-employed Borrowers are not currently accepted.

We understand that things have been difficult over the past few years and the lender will try their very best to help you, even if you have had arrears, default or CCJs.

However, we will not be able to help anyone that currently, or has in the past twelve months been:

  • in an Individual Voluntary Arrangement (IVA)
  • in a Debt Management Plan (DMP)
  • subject to a Trust Deed

We also will not be able to help if you have been declared bankrupt or discharged from bankruptcy in the last three years

Neither we nor the lender will charge you any upfront fees to apply for your loan, and no fees will be added to your loan agreement. We believe in treating customers fairly and for providing excellent customer service.

There may be other fees or charges which may be applied to your loan after it has been paid out, for example, fees to cover the cost of any legal proceedings to recover the money you owe. Full details can be found in the lender's Tariff of fees and charges.

No, interest rates are fixed, not variable. Your monthly contractual repayment will not increase over the term of the loan.
No, loans are not secured against any property or vehicle you own.
When you apply, the lender will only conduct a soft credit search that won’t affect your credit rating. This type of search is only visible to you on your credit file - other lenders will not be able to see this.

When the loan is paid out, the lender will report this to the credit reference agencies and this will be visible to other lenders. Taking out new loans may have an impact on your credit rating.

You can use the loan for a variety of purposes including home repairs/improvements, car finance, debt consolidation, weddings and more.

However, there are a number of things you cannot use the loan for, for example, for commercial purposes, such as setting up a business, or for investment or gambling purposes. You also cannot use the loan for general living expenses.

Homeowner Loans is a Credit Broker, not a lender, and does not make credit decisions. Homeowner Loans introduces loan enquiries to a lender, in exchange for a commission paid by the lender if your loan application is successful. There is no guarantee that you will be accepted by the lender or that you will be offered terms suitable for your financial needs. This website does not directly endorse any particular product or service. Any information on this site should serve as opinion only.

Yes, the lender needs to speak with you over the phone in English and you need to be in a position to read the loan agreement and supporting documents which are also in English, to ensure that you fully understand the contract you are entering into.

Yes. At any stage of the loan application process, you can change your mind. You will not incur any costs.

Once the loan has been paid out, you can withdraw from the agreement by letting the lender know within 14 days (beginning the day after they transferred the money to your account). You will then need to return all of the funds advanced (the total amount borrowed) to them within 30 days of giving notice of withdrawal.

This must be paid to the lender by cheque, bank transfer or debit card. Full terms and conditions are provided in the loan agreement.

Details of how to make a complaint, as well as our complaints process, can be found in our Complaints Policy

NO Up Front Fees

NO Processing Fees

Homeowner Loans is an independent credit broker, not a lender. Other credit products may also be available to you. We may be paid a fee by brokers. 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. If you secure a finance option against your home or vehicle, they may be repossessed if you do not keep up the repayments.
Unsecured loans on this site are from £3000 to £20000 over terms between 3 years and 10 years with 31.9% APR Representative (fixed).
Homeowner Loans is a trading style of Joel Malach and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (Firm registration number 720851). Trading Address: Warwick House, Lowes Road, Bury. BL9 6PJ. Telephone 0161 763 4783. Registered with the Information Commissioner's Office Z8904952. Credit is available, subject to status, only to UK residents aged 21 or over.
WARNING: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk/en