Homeowner Loans

Apply for a Homeowner Loan with market leading rates!

Do you need a loan?

Homeowner loans are simple, secured loans that allow you to borrow large sums of money at much better rates than unsecured or personal loans. You might want to build an extension, consolidate personal debts or payout for experiences such a dream holiday or a family wedding.

All you need is a current mortgage and you could secure a cash sum against your property.

Why might you need a homeowner loan?

  • You need some cash flow, but you’ve got poor credit.
  • You’ve looked into loans, but you need a longer repayment period
  • You need to borrow a large sum of money without high interest
  • You don’t want to remortgage your home or disturb your existing mortgage

Lenders are often able to offer much larger loans to homeowners due to the safety in securing your loan against your property. You can borrow between £3000 and £500,000 depending on the equity available within your property. Simply give us a call and let us know the amount you need, and how quickly you could repay it. We’ll do the rest!

How will Friends Capital help me?

We can help you find an excellent homeowner loan by asking you three questions;

  1. How much you want to borrow
  2. How much you can pay back each month
  3. How long you’d like the loan for

Then our team will look at the whole of the market and find the best loan for you, simple!

Homeowner Loan FAQs

These loans are usually for homeowners who want to borrow more substantial sums of money than they could with a typical personal loan.

Loan providers may want to see equity in your home before lending. So you’ve either paid off a chunk of your mortgage, or the value of the property has gone up. Your property will be used as a way of securing the loan for the provider. 

If you want to use your home to raise funds, remortgaging is a possible alternative.

Total amount payable shows you how much you’ll pay back over the full term of your loan. This will include the initial amount plus any interest accrued.

You must try to strike a balance between affordable repayments and a shorter loan period – this will help you avoid paying more interest. Friends Capital will advise you on the right loan for you!

Yes. You may find you have fewer options than someone with good or excellent credit, but it is possible. Typically a homeowner loan is easier to get than a personal loan as you will be using your property as collateral. Talk to our team; we help individuals with a variety of circumstances.

Find out more on improving your credit rating. 

The whole process typically takes between 2 and 6 weeks, depending on an individual’s circumstances. Before any payments are made, we’ll confirm all your details again and arrange transfer of funds.

Why choose Friends Capital?

Service

Friends Capital work with all of the UK’s top insurance companies and financial institutions meaning we represent the very best the market has to offer but brought to you with independent and impartial advice.

We will explain the pros and cons of different products and make sure that the solution you end up with will be the right one for you.

Trust

Our reputation is our bond. Friends Capital guarantee to deal with everyone with total understanding and empathy of your needs and circumstances. We do not prejudice anyone and work hard to bring you the best possible deal and outcome, regardless of your situation.

Put your trust in Friends Capital and contact us today for all of your financial and protection needs.

Value

Friends Capital is one of the UK’s leading brokers with over 30 years experience of finding the best possible policy to suit your needs at the lowest possible price.

We search the market with all the best providers so that you don’t have to.

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