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Evolution Money
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Secured Homeowner Loans

Homeowner Loans

Looking to borrow money? If you’re a homeowner with a mortgage you could borrow up to £25,000.

If you own your own home have a mortgage and need to raise finance. Evolution Money may be able to offer you a homeowner loan.

Take advantage of our simple application process, flexible lending terms up to 15 years, and no obligation quotes.

Find out today if you qualify for a homeowner loan with Evolution Money.

What our happy customers say:

How much do you want to borrow?£1,000 to £25,000
For how long?1 year to 15 years
Are you a homeowner?
Contact Details
First Name*
Surname*
Email Address*
Mobile Number*
Day Time Number*
Loan Purpose
Finally
You will need to read and agree to our Fair Processing Notice before continuing. *

Fair Processing Notice

Who we are:

Evolution Money Ltd, Progressive Money Ltd and Evolution Lending Ltd are all wholly owned subsidiaries of Darwin Loan Solutions ('the Group').

We take your privacy seriously and will only use your personal information to

A) Discuss loan offers and provide you with the products and services you have requested.
B) If you take out a loan with us and become our customer, it will also be used to manage your loan.

We'll keep your details for up to 12 months to enable us to help you with your loan application. If you don't take out a loan with us, we will delete your enquiry details unless regulations say we must keep them for longer.

This won't change any marketing preferences you've already chosen.

How we control and process your data:

Our companies hold and process your personal data in accordance with Data Protection law in the UK. We are committed to maintaining the privacy and protection of all personal data collected in connection with our broker and loan services. We may share your information with credit reference agencies and other companies for use in credit decisions, for fraud prevention and for debt collection purposes.

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Marketing Contact preferences - putting you in control:

We would love to tell you from time to time about offers and special deals on loans, insurance products and utility services which may save you money.

If you're happy to be contacted about these, please click the boxes to tell us how you want us to get in touch with you.

You can change how we contact you at any time by simply getting in touch with us on FPNandmarketing@darwinloansolutions.co.uk or 0161 814 9210.

Your choices do not affect your enquiry/loan application in any way.

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Marketing Contact preferences - Our partners:

We would love to tell you from time to time about special offers and deals from our carefully selected partners.

If you're happy to be contacted by them please click the boxes to tell us how our partners can get in touch with you.

You can change how we contact you at any time by simply getting in touch with us on FPNandmarketing@darwinloansolutions.co.uk or 0161 814 9210.

Your choices do not affect your enquiry/loan application in any way.

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Please read the full details of our Fair Processing Notice including Credit Reference Agency Information Notice (CRAIN) Click here to see a copy of the CRAIN.

If you agree to our Fair Processing Notice and want to continue to the next stage - click Agree.

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28.65% APRC Representative Variable Read more

Typical Example: Loan Amount: £7,500.00, Loan Term: 60 Months, Interest Rate: 19.56% PA (variable), Monthly Repayments: £222.17, Total Amount Repayable: £13,330. This example includes an Product fee of £750.00 (10% of the loan amount) and a Lending fee of £499.00. Read about our Rates and Fees.

How a homeowner loan can benefit you

You need money. But have been refused in the past.

If you are a homeowner, a loan from Evolution Money may be a suitable option. We will help you find affordable payment terms that suit your circumstances, so you could access the loan you need.

That’s because we’re different to other lenders. Rather than focus solely on your credit history, we look at your full story. That’s because we know everyone’s situation is unique – including yours, regardless of whether or not you’ve had credit problems in the past.

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

Carry out home improvements; a great way to invest back into your property
A wedding loan could turn your dreams into a reality
Bigger personal items such as cars can be financed using a secured loan
Take your family on that much needed holiday
Even if you have bad credit we could still help you with a loan

Questions you may have...

What are homeowner loans?

Homeowner loans, also known as ‘secured loans’ and ‘second charge loans’, are available to people who own their home and who currently hold a mortgage. The loan taken out is secured against your home which offers security to the lender.

Our homeowner loans are a great way for people to borrow the amount they need without focussing solely on credit score, particularly if their circumstances mean it’s difficult to successfully apply for an unsecured loan.

If you have struggled to obtain an unsecured loan from other lenders, and are a homeowner, then a secured loan may be the best option if you’re looking to obtain credit.

How do homeowner loans differ from unsecured loans?

Homeowner loans work differently to unsecured loans. A secured loan is called such because it is a loan that is ‘secured’ against your property.

This means that a less-than-perfect credit history needn’t be a barrier to you getting the money you need.

If you would like to know more regarding secured loans vs. unsecured loans we’ve created a page with all the facts you need to know.

What do I need to do to apply for a secured homeowner loan?

We’re committed to being clear and upfront about everything involved in getting a secured loan through us. That’s why we created a clear step-by-step guide to our loan process

What might homeowner loans be used for?

A secured homeowner loan through us can be used for almost any purpose. So, whether you need the loan for those home improvements you’ve been putting off, for a new car or for a family holiday you’ve been waiting for, we can provide the funding you need.

How much can I borrow?

Evolution Money provide secured loans for homeowners up to the value of £25,000.

How long is the repayment term?

The amount borrowed can be tailored to whatever suits you best. Evolution Money offer bespoke homeowner loan repayments up to 180 months (15 years). And, because the loan can be repaid over a longer period, this means we could offer a lower affordable monthly repayment amount.

Are there any fees to pay?

We are completely transparent about the fees involved in your loan. There is a Lending Fee and a Product Fee which are added to the total amount repayable by you over the duration of your loan term.

For example, on a £6,000 loan, there would be a Product Fee of £600.00 and a Lending Fee of £499.00.

All fees are clearly broken down here so you can see exactly what you will be expected to repay.

Can the loan be paid off earlier than agreed?

We allow our customers to overpay and make a lump sum payment which will reduce the amount of interest repaid on the loan.

Does negative equity matter?

We will not turn you away if you have negative equity in your property, or poor credit history. Please be aware that we cannot guarantee your secured loan until we have reviewed your current circumstances and what repayments you can likely afford.

At Evolution Money, we listen to you. Your application will be individually assessed by your personal account manager, not by a computer. They will also be there for you from your first discussion, right through until the money is in your account. If you have any questions during your loan term, your qualified loan advisor is always just a quick call away.

Even if you’ve already have a homeowner loan secured against your property in the past; we may still be able to help you.

Want to know the approximate cost and timescales of your loan? Take a look at our handy loan calculator to see what your repayments might be on a debt consolidation loan through Evolution Money.

Or, give us a quick call on 0161 814 9158 to talk through your loan needs and get a no obligation quote from our qualified loan advisors at Evolution Money.

Apply for my Homeowner 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 90 out of 100, based on 112 reviews over the past year. 112 user reviews. Read our reviews

Members of the The Finance & Leasing Association

FLA logoThe Finance & Leasing Association is the leading trade body for the motor finance, asset finance and consumer credit industries in the UK.

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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 8 St John Street, Manchester, M3 4DU. Authorised and regulated by the Financial Conduct Authority, firm reference number 708324.

© 2018 Evolution Money | Cookies | Complaints Policy | Breaking Down Our Loans | Terms & Conditions | Fair Processing Notice
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Evolution Money are a multi Award Winning UK finance company with thousands of happy customers!

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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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