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Homeowner Loans

Secured Loans > Our Loans > Homeowner Loans

Homeowner Loans

Looking to borrow money? If you’re a homeowner with a mortgage you could borrow up to £50,000.

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

Take advantage of our simple application process, flexible lending terms up to 20 years, and no obligation quotes.

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

What our happy customers say:

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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?

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 £50,000.

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 240 months (20 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.

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 homeowner 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 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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