Borrow £10,000 to £1 Million.
Homeowners Only.
CCJ's, Defaults and Mortgage Arrears.
Simple and Secure.
200+ Loan Plans.


I confirm that I have read and consent to my personal information being processed in accordance with The Money Hub's Privacy Policy. I also confirm that I have read The Money Hub’s E-Marketing to Customers and consent for The Money Hub to market to me by email. On receipt of this enquiry we will contact you to discuss your requirements.
100% Secure


We Gather Information Required to Search the Market

We gather some basic information about you using our quick online form

Conduct a Whole of the Market Comparision

We will search 100’s of providers to find you the lenders who are willing to approve your mortgage

Provide full service through to completion

We will show you rates along with the monthly repayments. This will not affect your credit score. We’ll also explain any fees if you progress at this point and as long as you are happy to proceed, provide you with the full service through to completion of your mortgage being accepted


(not all lenders displayed - not specific to your personal circumstances)

Customer Reviews


How we work?
By making an enquiry we will contact you to discuss your needs and outline if we can be of assistance. We will then request a copy of your credit file and this will be passed to a qualified adviser to review and give you advice and discuss possible quotations. If you wish us to proceed and get a ‘Decision in Principle’ we can do so. Once we have a decision from the lender we will discuss and email you a formal quotation and outline the process from there.
What is a homeowner loan?
This is a loan secured on your property as you are a homeowner. As the loan is secured upon the property lenders are more willing to provide cheaper rates when compared to unsecured loans and additionally can lend you more money over a longer term.
Can you get a secured loan with a bad credit history?
Yes. If you have had bad credit in the form of mortgage arrears, defaults, county court judgements, IVA and payday loans we have lenders that can help providing you have enough equity and can clearly afford any new borrowing.
How much can I borrow?
Secured loan lenders provide loans from £10,000 to £750,000. This depends upon your credit profile, equity in the property and affordability.
Why take out a secured loan rather than a remortgage?
We will always explore both options to ensure you get the right advice. Here are some reasons why a secured loan is more suitable, when compared to a remortgage:
  • Your main mortgage is at a low rate and any remortgage will be at a higher rate.
  • Your main mortgage has a large early repayment charge if you were to redeem this.
  • Your main mortgage has a long term left, whereas you want to borrow £XX over a shorter term to pay off quicker.
  • Your credit profile may mean a remortgage is not possible.
I have been declined in the past – can you help?
The key to this question is why you were declined. We provide an advised service, so if we cannot help you now we will explain why and provide advice as to what you need to do to be able to get a loan in the future.
How quickly can I get a secured loan?
Typical completion time from application is between 4 – 6 weeks.
What loan purposes do you accept?
Most legal purposes are allowed.

Homeowner Loans

Homeowner loans are loans that are secured a home owners property and are, as such a secured loan. Homeowner loans are designed for people who usually want to borrow larger sums of money for a variety of reasons. These can include home improvements, cars, holidays, weddings or sometimes debt consolidation, for example to pay off other debts or credit cards. Needless to say, homeowner loans are available to people that own property that has equity. This equity in the property is the security which the lender requires and the equity should easily cover the amount of the loan with a little extra.

Typically home owner loans are between the amounts of £15,000 and £100,000 and often a homeowner loan term is between 5 and 25 years.

Lenders tend to be more lenient with people who do not have an excellent credit rating when applying for homeowner loans as they know that their money is safe in the equity of the property that the homeowner loan is secured against. This gives them the comfort and security to know that the loan will ultimately be paid by whatever means, although this is never the intention of the borrower.

Homeowner loans are repayment loans typically, which means that the amount of the loan plus interest is paid back over the loan period. At the end of the loan period all of the loan is paid back.

Homeowner loans are often offered with different payment profiles that may include fixed term interest rates over the first few years, thus guaranteeing the monthly repayment for a period, or may be variable rate whereby the homeowner loan tracks the Bank of England base rate and fluctuates accordingly.

It is worth noting that some lenders may charge extra fees if the loan is settled early, and the reason for this is that they will not ultimately receive all off the interest on the loan that they expected to.

Homeowner loans offer a relatively fast and easy access to a loan assuming the the borrower fits certain criteria, essential ones being that of course they own their own home but also that they have sufficient comfortable equity in their property to cover the full loan amount should any unforeseen circumstances arise. A homeowner loan is also a good option for a homeowner with a less than perfect credit score,and can help them to rebuild their credit rating over the period of the loan through making regular payments on time.



We are currently processing your details

Thank you for your patience