Secured homeowner loans
- All credit histories considered;
- Loans from £5,000 to £1 million;
- Enquiring will not impact your credit score;
- You can borrow if employed, self-employed, retired or on benefits.
Loans are secured against property - 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 specialise in mortgages from a range of lenders outside the high street, which can be ideal if high street options aren’t the right fit for you.
Why choose a secured homeowner loan?
If you're a homeowner looking to raise extra funds, a secured loan could be an option.
Why a secured homeowner loan may work for you:
✅Access larger loan amounts: Borrow from £5,000 up to £1 million, often more than what’s available through an unsecured loan.
✅ Keep your existing mortgage: Since it's a separate loan to your first mortgage, your current rate and term remain untouched.
✅ Flexible repayment terms: Spread repayments over 3 to 40 years, helping you manage your monthly costs.
✅ Use the funds for any purpose: Whether it’s debt consolidation, home improvements, a wedding, or a second property deposit, use the funds for any legal purpose.
As with any secured loan, your home may be at risk if you don't keep up with repayments. Also, spreading repayments over a longer period could increase the total interest paid. To qualify, you must be a UK homeowner aged 18–85, earning at least £20,000 annually.
Call our experts today on 0800 587 8587 to see what you could achieve.
What our customers say:
We ask independent review website Feefo to secure feedback from our customers, here is what they have to say about working with us:
"Mortgage made easier. Professional staff who were very efficient. Did what they said and beyond. I was very happy with their excellent service. I would definitely recommend The Loans Engine to others."
18 Mar 2026
"Charlotte, Matt and everyone were super efficient and kept me posted almost daily great customer service, thank you team."
09 Mar 2026
"Efficient and professional, yet friendly. Really good communication and progress updates throughout the process."
04 Mar 2026
"From start to finish i found the experience was fantastic. Both my contacts Marysia and Paul were brilliant in explaining everything to me and getting this over the line quickly, no messing about! Would highly recommend"
24 Feb 2026
We can offer:
- Fixed rates, so you can budget with ease;
- Competitive interest rates, to keep your monthly costs down;
- Quick lending decisions, so you can start your plans right away;
- Range of products, to try and find you a loan that meets your needs;
- A qualified advsior who will guide you through the process and handle the work for you.