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Okay, let’s find you a great Homeowner Loan deal!

Applying for a Homeowner Loan is easy. Simply complete the quick enquiry form below and our team will search over 400 loans with exclusive rates for homeowners.

Over 500 5-Star reviews on

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Yaz Shaw

Mortgage Advisor

Kristian Derrick

Director

Steven Dodd

Mortgage Advisor

Natalie Barnett

Mortgage Admin

Lisa Nicholls

Mortgage Advisor

Tom Philbin

Mortgage Advisor

Peter Atherton

Mortgage Advisor

Annie Litton

Mortgage Admin

Glenn Westwood

Mortgage Advisor

Colin Prunty

Mortgage Advisor

Charlotte Gee

Mortgage Advisor

Ellie Chell

Mortgage Advisor

Chris Taylor

Mortgage Advisor

Ciaran Wilkinson

Sales Director

John Chivers

Mortgage Advisor

Speak to an expert.

Our advisors are available Monday-Friday 9am to 8pm and Saturday 9am-3pm, giving you plenty of opportunity to seek a quick overview of what your mortgage deal could potentially look like.

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You will be matched to an advisor who will answer your questions, queries and provide quality advice for your personal circumstances and the specific mortgage product suited to you.

Questions. Answered.

A Homeowner Loan, often referred to as secured loans or 2nd charge mortgages, allows you to borrow large sums of money – typically more than £10,000 – using your home as collateral. Therefore, if you don’t keep up with the regular payments, the lender can take possession of your home and sell it to recoup their losses.

The amount you are eligible to borrow, the duration of the loan, and the interest rate you are offered will depend on your circumstances, as well as the amount of ‘free’ equity you have in your home. ‘Free’ equity is the difference between the value of your home and the amount left to pay on your mortgage if you have one. The interest can be variable or fixed depending on the type of loan you choose.

We're rated 5/5

Gareth & Amelia Melling, Wigan

We would just like to thank you for all the hard work and time you have spend over the last few months arranging us a new mortgage deal. We will save so much. We are very thankful for securing us our first mortgage and enabling us to buy our lovely family home we will be forever grateful. Thank you for all the phone calls, emails and answering any questions I had when re mortgaging, you made the process quick and easy.

Russ and Marianne Green, St Helens

Thanks, the move went well and we are now surrounded by boxes but excited about starting the next chapter of our life in the new house. Marianne and I would like to say a huge thanks to you for your help in arranging this mortgage and will be recommending you to all our friends. It really has been a lot easier having professionals like yourselves managing the process.

Victoria

Just want to say a massive thank you for helping us buy our dream home, you made the whole mortgage application stress free! We got a brilliant deal, which was fully explained and we were kept informed throughout every step of the mortgage application journey. Whilst the mortgage application was being approved, they also sorted our insurance policies and completed a re-mortgage on another property.. absolutely brilliant service!

Rachel H, Newton-le-Willows

Your team have gone above and beyond to help me and my partner get our first house. I am so impressed by how helpful and understanding they have been throughout the process. I spoke with you on the off chance during my search for a mortgage and less than a week later we had an offer accepted on a house. Me and my partner were pretty clueless when it came to the mortgage process but thanks to the team we have now completed on our first perfect home.

Brad and Becky, Ashton

Just thought I’d drop you a quick email to say thank you for your wonderful service and helping us out massively in purchasing our first home together in Ashton. We couldn’t have done it without you and you explained everything so well and made sure we had a good understanding. Thank you again! And if we ever need more advice expect to hear from us!!

Representative Example: If you borrow £15,000 over 10 years. Initially, on a fixed rate for 5 years at 5.10% and for the remaining 5 years on the lender’s standard variable rate of 5.05%, you would make 60 monthly payments of £184.29 and 60 monthly payments of £185.99. The total amount of credit is £17495; the total repayable would be £22,216.80 (this includes a Lender fee of £995 and a broker fee of £1,500). The overall cost for comparison is 8.8% APRC representative.

Rates between 3.4% to 29.% APRC. Repayment terms between 3 and 30 years.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.
Think carefully before securing other debts against your home

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.