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Low Equity Loans

Secured Loans > Our Loans > Low Equity Loans

Low or Negative Equity Loans

Low equity shouldn’t stand in the way of borrowing the money you need. If you equity has decreased you could still be eligible for a secured loan of up to £50,000.

Discover your eligibility today with our application process. It’s quick, simple, and won’t affect your credit score.

  • Receive an obligation-free quote
  • Apply with low or negative equity
  • See if you’re eligible today

Here’s what our satisfied customers think:

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How much do you want to borrow? £5,000 to £50,000
For how long? 1 to 20 years.
Loan Purpose
What is your loan for? Your answer won't affect our decision but is helpful to know.
Is this a joint application?

Helping you borrow with Low Equity

Low equity. It can often be a stumbling block to borrowing the money you need.

But with Evolution Money, it doesn’t have to be. Our secured loans are designed to help people who have low or even negative equity. That means you could borrow up to £50,000, even if you’ve only recently stepped onto the property ladder.

What is a low equity loan?

A low equity loan allows you to borrow money against a home that has a high remaining mortgage balance. It could be that you’ve only recently purchased your home, or the property has decreased in value since you took out the mortgage.

Mainstream loan providers reject homeowners with low equity. That’s because having low equity means you only own a small stake of your home to secure finance against.

At Evolution Money, we’ll do our best to try and find a personalised solution that benefits you.

What is negative equity?

Negative equity happens when your home is worth less than what you owe on your mortgage. This usually happens when property prices fall.

Having negative equity means that you won’t own a stake in your property yet. This can make it tricky to move home, remortgage, or apply for a secured loan.

Can I apply for a secured loan with negative equity?

Applying for a secured loan with negative equity can be difficult. At Evolution Money, we’ll carefully look at your individual circumstances to try and find a secured loan that suits you and the amount of equity you own.

If you're looking to obtain credit, our secured loans can be used for a range of purposes

A debt consolidation loan could help regain control of your finances
Carry out home improvements; a great way to invest back into your property
A wedding day loan to make a special day memorable
Bigger personal items such as cars can be financed using a secured loan
Take your family on that much needed holiday

Questions you may have...

How long will it take to receive my low equity loan?

At Evolution Money, we’ll work fast to ensure you receive your low equity loan as soon as possible. Though we aim to complete all applications within three weeks, you could receive your loan within days.

What negative equity loans do you offer?

We review applications on a case-by-case basis. If you have low or negative equity, we’ll try to find a secured loan that suits you and your finances.

Want to know get an idea of the cost and timescales of your? Our handy loan calculator may be able to help. Use the calculator to see what your low equity loan repayments might be through Evolution Money.

Or, give us a call on 0161 814 9158 to discuss your loan needs. You can get a no-obligation quote from one of our qualified loan advisors at Evolution Money today.

Apply for my low equity loan

How our customers rate us

We’re proud of the high standard of our customer service and believe that each of our customers should be treated as an individual.
Evolution Money 96 out of 100, based on 178 reviews over the past year. 178 user reviews. Read our reviews

Members of the The Finance & Leasing Association

FLA logoWe are a member of the FLA (Finance and Leasing Association) and subscribe to its lending code.

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Our Address

Evolution Money,
9 Portland Street,
Manchester,
M1 3BE


Registered Company Number: 06987852

Contact by Phone

General Enquiries:
0161 814 9158

Complaints:
0161 814 9165

Contact by Email

Evolution Money Limited is a licensed credit broker and service provider to Evolution Lending Limited. If your application doesn’t meet the underwriting requirements of Evolution Lending Limited we may pass your information to other lenders and brokers. Evolution Money Limited is a company registered in England & Wales, registration number 06987852 and registered at 9 Portland Street, Manchester, M1 3BE. Authorised and regulated by the Financial Conduct Authority, firm reference number 708324.


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Evolution Money are a multi Award Winning UK finance company with thousands of happy customers!

Award Winning

Our friendly loan advisors can let you know if you're eligible for a loan without affecting your credit score. Why not give us a call today!

Freephone 0800 144 8188

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