Apply Now
Call: 0203 633 1699

Secured Homeowner Loans

How much do you want to borrow?

Select Loan Amount

Representative Example

We compare loans that can be paid back over terms of between 1 and 25 years. The APR interest rate you'll be charged depends on your personal circumstances, and will be between 3.2% and 99.9%. This is a representative example of what it may cost : a Loan of £7,500 over 60 months at 3.3% APR would equate to monthly repayments of £135.60, and the total cost of the loan that you pay back would be £8,136.22

Secured Homeowner Loans by OysterLoan

Are you a home owner in the UK? The one - who is struggling with bad credit history? Or, who needs urgent funds - for home repair or wedding celebration? Rejected by main street lenders?

Does the credit situation sound similar to you?
If you too are looking for secured homeowner loan solutions, you need transparent broking service by OysterLoan.

We, at Oyster Loan provide personalised advice on secured loans to homeowners. You can effortlessly access the best homeowner loans in the UK through an online application procedure in which no paper work and no faxing is needed from the borrowers.

We have cutting edge brokering expertise in introducing the customised deals on secured homeowner loans for the UK residents in a completely hassle free manner.

We have a professional team of loan advisors, who have rich experience in guiding borrowers in their financially pressing times in finding out the finest deal on secured loans. Besides that, we ensure that our specialised brokering services reach to all borrowers irrespective of their adverse credit ratings.

You can contact us by filling a 1 minute form on this page. It will not take more than 60 seconds and you would be introduced to a list of bespoke loans in UK via our loan experts.

What Is A Secured Homeowner Loan?

A secured homeowner loan is a second charge loan that is secured against your residential property. The eligibility for the loan is determined according to the balance mortgage on the property. You do not need a separate homeowner loan calculator. We can also help you know about your loan eligibility.

For example: If you have a balance mortgage of £80,000 on your house worth £220,000 and you want to draw a loan amounting to £100000, you can use remaining home equity of 140,000 to avail a loan. The LTV ratio is approx 71 %.

By using collateral, you will be entitled to a bigger loan at a better interest rate.

Who Opts For Home Owner Loan?

Those with Poor Credit History
Secured home owner loans are preferred by people with bad credit history as it helps them borrow more at lesser rate. The inclusion of collateral reduces the risk for lender and thus you get swifter bad credit secured homeowner loans.

Otherwise too, being a homeowner it is easier to avail bad credit personal loans. From long term debt consolidation to unsecured personal loans, you are offered better deals at lower cost.

Those Who Seek Large Amounts
A homeowner is always a preferred borrower by the lender. Thus when you seek large amount for home repair or funding a grand wedding celebration you can conveniently avail the desired loan. We at Oysterloan however extend our services to homeowners as well as tenants who require secured loans for bad credit history.

Using home equity you can avail loans for kitchen remodeling to boiler replacement; you can avail sofas on finance, boiler on finance and what not! Irrespective of your past credit history you can improve the quality of your life with hassle free homeowner loans.

You can apply for secured loans up to £35,000 with home equity. The best part is our loan advisors help you avail cheaper instalments, thereby minimising the debt burden. Despite adding loan, you can minimise the monthly instalment burden by consolidating your previous loans.

Things to Watch Out Before Availing Homeowner Loans

  • Whether you seek short term secured loans or long term homeowner loans, you need to ensure that you deal with only an FCA registered loan broker.
  • Always clear out your doubts before signing the deal.
  • Compare and choose the best home owners’ loan according to your credit situation.
  • Ensure that loan instalment is affordable.
  • Have a backup plan for repayment.
  • Be wary of unscrupulous loan sharks active in the UK. Stay away from too good to be true deals. A broker is your best shield.

Why use Oyster Loan’s Broking service

  • 1.Licensed loan broker
    We are FCA authorised loan brokers and ensure 100% safe and secure deals for all. Whether you need short term secured loans or need long term home owner loans, we assure transparent loans to all.
  • 2.No Cumbersome Registration Process
    We are way ahead our competition probably because we pick only those lenders, who do not have cumbersome application process for secured loan. During the financial emergency, people look for an instant monetary assistance. Therefore, we work with only those lenders who offer timely long term and short term secured loans in a hassle-free manner.
  • 3.To improve your bad credit
    We value our customers and thus extend our assistance in helping them improve their bad credit score. At Oyster Loan, we bring out a flexible repayment option on secured loans for bad credit people, which certainly ease more pressure from their shoulders.
    Our experienced loan advisors are always concern on the financial compulsions of bad credit people and therefore, they search for tailor made secured loans for the people with bad credit.
  • 4.Flexible Rates
    Oyster Loan is indeed an ideal place where one can find out the solution for both the long term and short-term monetary problems. Short term loans, which we suggest, are available on flexi interest rates, which are quite suitable to the financial capacities of the borrowers.
    Many people have been benefited from our viable guidance on these secured loans and able to save themselves from financial drench. Therefore, you can also get the perfect solution for your financial trouble by finding the finest deal on short term secured loans for the UK people.

Note: All Loan approvals & Quotes are subject to Credit Score and Affordability requirements by lenders.If you meet the lender's criterion, they will be more than happy to lend you money.We as a broker make all efforts to process your application with the most suitable lenders in our panel.


Oyster Loans is a licensed LOAN BROKER and not a lender. The website is registered in the UK and is authorised and regulated by the FINANCIAL CONDUCT AUTHORITY (FCA). WARNING: Late repayment can cause you serious money problems. For more information, go to MONEYADVICESERVICE.ORG.UK.

Oyster Loans does not charge any fees. If you are contacted by anyone claiming to be from Oyster Loans and requesting you to make a payment, report it to

All Loan approvals & Quotes are subject to Credit Score and Affordability requirements by lenders. If you meet the lender's criterion, you can borrow the money. We as a broker make an attempt to process your application with the most suitable lenders in our panel.

Important payment information

Collections Process
Contact your lender directly if you have any worries about making your re-payment. If you do not endeavour to do so you will be unable to arrange any payment options and where the situation remains unresolved (where you have not re-paid your loan), the lender can exercise their right to pass your details onto a third party collections agency. This agency will then work to recover your unpaid arrears (plus any interest accrued as a result of your non-payment).

Implications of Non-Payment
By not making your short-term loan re-payment on time, you could be subject to fees and penalties, which will be implemented at the discretion of your individual lender. The details of any charges that can be added to your loan re-payment amount will be detailed within your loan agreement and this will include the reasons why further charges may be added. If you are late in making your payment this could also have a negative impact on your credit score. Therefore, in order to avoid having to re-pay more than your original agreed amount, we suggest that you re-pay your loan on time. If you fear that you will experience difficulty in paying back what you owe, please contact your lender as soon as possible.

Late Payment
Where you feel that you will not be able to meet your re-payment date and will need to make your payment at a later time – you must contact your lender to arrange this. If you do not, it could be assumed that you are unwilling to re-pay your loan and therefore you could incur a higher fee or charge than you would otherwise have done by simply extending your loan term. A late payment fee usually amounts to anywhere between £1 and £100 and this will vary dependent upon your lender. However, we do not advocate the unnecessary extension of short-term loans and as a result we ask that you ensure that you will be able to re-pay any loan that you apply for. For more information, please read and understand the terms and conditions associated with your loan agreement.

Renewal Policy
We do not advocate the renewal of short-term loans however, in the instance that you wish to do so you must contact your lender immediately. You will often be charged the same rate of interest or fees for an extra month however; this will be charged on the full amount that you owe to the creditor (amount borrowed plus first month's interest). If you are late in making your loan re- payment or you fail to make the re-payment at all, your loan may be automatically rolled over thus automatically incurring further interest and charges. Any amount that you have borrowed you will be liable to re-pay so, please make sure that you only take out a loan if you can afford to pay it back in full.

photo of Oyster Loan Oyster Loan
Oyster Loan
71-75 Shelton Street
Covent Garden, WC2H 9JQ United Kingdom
0203 633 1699