Looking for a Homeowner Loan?
We offer tailored secured loan options for any type of financial expense. Explore my options:
Loan options for all financial situations
Secured loans £10,000 to £1M
All credit scores considered
No upfront fees
Representative Example
Assumed borrowing of £10,000 over 36 months at a fixed rate of 8.21% per annum would result in a representative rate of 8.21% APR, monthly repayments of £314.33, and a total amount repayable of £11,316.00
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
*We’ll carry out a soft credit check to assess your eligibility — this won’t affect your credit score and is only visible to you. If you choose to proceed, the lender will then perform a full credit check, which will appear on your credit file.
Secured Loans
A Secured Loan—also known as a Homeowner Loan or Second-Charge Mortgage—can be a great option if you need to borrow a larger amount or have less-than-perfect credit.
- Planning home improvements, like an extension or renovation?
- Covering major expenses, such as a wedding or a new car?
- Consolidating debts into one manageable payment?
- Investing in property?
- Something else in mind?
How it works
Step 1
Complete our quick and simple online formStep 2
Our advisors will find the best products for youStep 3
Receive your fundsLoans We Can Help With
Secured Loans can be used for almost any legitimate purpose. If you’re looking for a way to make your big plans happen, we can help you find a suitable solution.
Home Improvement
Extend or renovate to improve your living space
Business
Secure funding to grow or support your business
Property Purchase
Buy property for investment or as your new home
Vehicle / Caravan
Finance a new car, caravan, or motorhome
Holiday / Wedding
Cover the costs of a dream wedding or getaway
Major Purchase
Fund high-value purchases, from furniture to technology
Do I qualify?
To be eligible for a Secured Loan, you must own a property or have equity in one. Lenders use this as security, meaning they can repossess the property if you’re unable to repay the loan.
However, even as a homeowner, a Secured Loan may not be the right fit for you. Once you apply, your Hillview Finance advisor will conduct a fact-find to assess your situation and recommend the best option.
Complete our online application now to check if you qualify:
Check My Eligibility
Who are Loanzo?
We are a North-West-based finance broker authorised by the FCA. Our qualified team has seen the challenges secured loan applications can present and knows how to find solutions.
We aim to present the right option, the first time, every time, ensuring a transparent and smooth process from start to finish.
Your dedicated advisor will be available via WhatsApp, email, and phone, guiding you every step of the way.
Our Lending Partners
We work with a panel of trusted lenders to find the best loan for you. We will compare options on your behalf—without affecting your credit score*—and keep you informed at every stage.
Check My Eligibility*Your details will be used for a soft credit check, which you can see but lenders cannot. This will not impact your credit score. The lender will perform a credit check which will appear on your credit file.
Frequently Asked Questions
A homeowner loan is a type of secured loan that allows you to borrow money against the equity in your property.
Because the loan is secured against your home, lenders may offer larger loan amounts and longer repayment terms compared to some unsecured loans. Homeowner loans are commonly used for debt consolidation, home improvements, large purchases or other significant expenses.
Loanzo is a credit broker, not a lender. We work with a panel of lenders to help find a solution tailored to your circumstances.
If you’d like to explore your options, you can complete our short online enquiry and one of our advisers will contact you.
A secured loan is a loan that is backed by an asset, usually your home. The lender takes a legal charge over your property as security for the borrowing.
Because the lender has security, you may be able to borrow more than with an unsecured loan and potentially over a longer term.
However, it’s important to understand the risk.
Your home may be repossessed if you do not keep up repayments on a loan secured against it.
If you’re considering securing a loan against your property, complete our online enquiry and we’ll explain your options clearly and transparently.
When you apply for a homeowner loan, lenders typically assess:
Your available equity (loan-to-value)
Your income and affordability
Your credit history
If a lender is willing to proceed, they will issue a formal offer setting out the loan amount, interest rate and terms. You are under no obligation to accept.
Funds are released once all checks and legal requirements have been completed. Timescales vary depending on the lender and your individual circumstances.
To find out what may be available to you, start your enquiry online and one of our advisers will guide you through the next steps.
Our panel of lenders offers loans from £10,000 up to £1 million.
The amount you may be able to borrow depends on:
The value of your property
How much equity is available
Your income and affordability
Your credit profile
The simplest way to understand what you may qualify for is to complete our online enquiry. We can then assess your circumstances and explain your options.
We work with a panel of lenders offering a range of interest rates, with rates currently starting from 5.39% depending on your circumstances.
The exact rate you may be offered will depend on your loan size, property value, income, credit history and overall affordability. Not all applicants will qualify for the lowest rates.
As part of your enquiry, we may carry out a soft credit search. This will not affect your credit score.
To see what rate you may qualify for, complete our short online enquiry and we’ll review your options.
Secured loans can be used for a wide range of legitimate purposes, including:
Debt consolidation
Home improvements
Business purposes (subject to lender criteria)
Property purchases
Large one-off expenses
All applications are subject to lender approval and affordability checks.
If you’re unsure whether your intended use is acceptable, complete an enquiry and we’ll discuss it with you.
To qualify for a homeowner loan, you must own your property, either outright or with an existing mortgage.
Lenders will assess:
The equity available in your home
Your income and ability to afford repayments
Your credit history
Every case is assessed individually.
The easiest way to understand your likelihood of approval is to complete our online enquiry. We’ll review your circumstances and explain your options clearly.
It may be possible to obtain a secured loan even if you have had credit issues in the past.
Because the loan is secured against your property, some lenders may consider applications that would not meet the criteria for unsecured borrowing. However, approval and interest rates will depend on your overall circumstances.
To find out whether you may qualify, complete an enquiry and one of our advisers will discuss your situation with you confidentially.
Document requirements vary by lender, but typically include:
Photographic ID (passport or driving licence)
Proof of address
Proof of income (payslips or SA302 if self-employed)
Recent bank statements
Mortgage statement (if applicable)
Your adviser will confirm exactly what is required once your application is reviewed.
You can begin your enquiry online, and we’ll guide you through the process step by step.
Whether a secured loan is suitable depends entirely on your circumstances.
It may be appropriate if you are looking to borrow a larger amount, consolidate debts, or spread repayments over a longer term, and you can comfortably afford the repayments.
It may not be suitable if your income is unstable, you have significant existing arrears, or you are unable to meet additional monthly commitments.
Our role is to explain both the benefits and the risks clearly so you can make an informed decision.
If you’d like to discuss whether a secured loan may be suitable for you, complete our online enquiry and we’ll review your situation.
Yes. Many landlords use secured loans to raise funds against their buy-to-let properties.
Common reasons include funding further property purchases, carrying out renovations or improvements, consolidating borrowing, or releasing equity for other investments.
Lenders will typically assess:
The value of the property and available equity
The rental income and overall affordability
Your credit profile and financial position
Secured loans on buy-to-let properties can be a flexible way to unlock capital without refinancing your existing mortgage.
As with any secured borrowing, it’s important to understand the risks.
Your property may be repossessed if you do not keep up repayments on a loan secured against it.
If you’re a landlord looking to raise funds against an investment property, complete our online enquiry and we’ll review what options may be available to you.
Yes. If you own your property outright and do not have an existing mortgage, this is known as owning an “unencumbered” property.
Many lenders are happy to consider secured loan applications on unencumbered properties, provided there is sufficient equity available and the repayments are affordable.
In some cases, owning your property outright can provide greater flexibility when structuring the loan, as there is no existing mortgage lender to obtain consent from.
Lenders will still assess affordability, income and credit history before approving an application.
As with any loan secured against your home, it’s important to understand the risks.
Your home may be repossessed if you do not keep up repayments on a loan secured against it.
If you own your home outright and are considering raising funds, complete our online enquiry and we’ll explain what options may be available to you.
Loanzo is a credit broker, not a lender. We work with a panel of lenders to help find a secured loan that may suit your circumstances.
If you choose to proceed, we may receive a commission from the lender. This does not affect the rate you are offered.
There is no obligation to accept any offer presented to you.
Lender timescales vary, but many secured loans complete within 7–21 days, depending on the lender, valuation requirements and legal checks.
Your adviser will keep you updated throughout the process.
If you would like an indication of timescales based on your circumstances, you can start your enquiry online.
