Imagine Finance
Homeowner Loans
Owning your own home gives you access to the best deals - find your dream one with Imagine Finance
You may be wondering why a homeowner loan may be the best solution for you.
This type of borrowing is suitable for homeowners with equity in their home who want to borrow from £10,000 to £2.5 million, with loan terms between 3 and 35 years to suit their budget.
Homeowner loans are often more flexible than unsecured loans, and although usually made on a capital repayment basis, interest only rates are also available even with a low credit rating.
Check how low your payments could be with our Homeowner Loan Calculator.
Remember, as the loan is secured against your property, your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
The staff at Imagine Finance have arranged over 100,000 homeowner loans for satisfied clients since 1983, but don’t just take our word for it – contact our friendly team today to see how we can help.
Frequently Asked Questions
What is a homeowner loan?
A loan exclusive to homeowners whereby a lender will use your property as security to often offer better terms than those available on other types of borrowing.
Homeowner loans can be a much faster way of obtaining cash than remortgaging your home and even be more cost-effective if your mortgage started when interest rates were lower. They can also offer more flexibility, with repayment terms available between 3 and 35 years depending on your circumstances.
People usually take out homeowner loans for a variety of reasons including home improvements, such as a new kitchen, extension, or loft conversion. In addition, you can consolidate your credit card and loan debts if you pay higher interest rates on them.
If you have a poor credit history or are not in full-time employment, a homeowner loan secured against your home can be easier to obtain than other types of finance due to lenders being more confident they will get their money back.
How can I get a homeowner loan?
Use our Homeowner Loan Calculator to see your potential payments and choose the loan term best suited to your circumstances and budget.
Use our Debt Consolidation Calculator if you would like to use your loan to repay your credit cards, store cards, loans and HP and see your monthly outlay.
If you’re unsure about what type of loan is best for you, contact our friendly team of experts today.
Alternatively, you can apply online using our quick and easy form. If you have recent proof of income available, upload it with your application. One of our advisers will then be in contact with you to complete the application.
How much will I be able to borrow?
Depending on your circumstances, you could borrow from £10,000 to £2.5 million. Use our Loan Calculator for an estimate of what your monthly repayments could be.
If you are still unsure how much you can borrow, contact us today and let us help you find the right solution.
I have a low credit rating. Can I still apply?
The short answer is yes – our experience and knowledge mean we can offer the best terms for your circumstances, even if you have a poor credit history.
Let us help you by completing our quick application form now.
How will you support me through the process?
Here at Imagine Finance, we’ll always guarantee to find you the best possible loan deal to keep your monthly repayments down, regardless of your credit history.
Once your application has been approved by one of our top lenders, you could have your money within as little as 24 hours.
Do you charge any upfront fees?
Start turning your dreams into reality and talk to Imagine Finance today.
Mr Wells
