Secured Loans for UK Homeowners
Borrow £10,000 to £300,000 secured against your home – competitive rates and fast quotations.
Typical 12.7% APRC variable Representative example: If you borrow £43,000 over 16 years at a rate of 10.25% variable, you will pay 192 instalments of £505.18 per month and a total amount payable of £96,994.56. This includes the net loan, interest of £49,404.56, a broker fee of £3,995 and a lender fee of £595. The overall cost for comparison is 12.7% APRC variable. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Finding the right loan at Habitat Loans
Fast, Personalised Secured Loan Offers
Complete our 2-minute form to get matched with a secured loan provider. If eligible, you’ll see your offer and can apply directly with the lender.
Quickly Find the Right Secured Loan Lender
Habitat Loans simplifies your search by instantly matching you with secured loan lenders likely to approve you-saving time and protecting your credit score.
Habitat Loans lets you compare trusted UK secured loan providers in one place.
Frequently asked questions (FAQ)
A secured loan is a type of borrowing that’s backed by an asset – usually your home. Because the loan is secured, lenders may offer lower interest rates and higher borrowing amounts compared to unsecured loans.
Habitat Loans is a UK-based secured loan broker. We search a panel of trusted lenders to help match you with a suitable loan for your circumstances. The service is operated by PJG Financial Ltd, an FCA-authorised company.
No, when you apply with Habitat Loans, we only carry out a soft credit check to match you with lenders. This won’t affect your credit score or be visible to other lenders.
Loan amounts typically range from £5,000 to £500,000, depending on your home equity, income, and credit history. We’ll help you find the most suitable option based on your circumstances.
Once approved, it usually takes between 1 to 3 weeks for funds to be released. Timelines can vary depending on the lender and whether legal or valuation work is required.
You can use the funds for almost any legal purpose – home improvements, consolidating debts, major purchases, or helping with life events such as weddings or education.
Habitat Loans does not charge you a fee. However, the lender or broker we introduce you to may charge a fee, which will be clearly disclosed in the loan documentation before you proceed.
Yes. PJG Financial Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 919697. You can verify our registration on the FCA website.
Why choose us?
We’re authorised and regulated by the Financial Conduct Authority, giving you peace of mind that you’re dealing with a responsible broker.
We work with a carefully selected panel of established UK lenders offering competitive secured loan options tailored to your needs.
Our initial search uses a soft credit check only—so you can explore your options without affecting your credit file.
Apply online and get a call from an adviser in minutes and get matched with a suitable lender.
We look at your circumstances to find lenders most likely to approve your application – saving you time and stress.
We specialise in secured loans, also known as homeowner loans, giving you access to expert guidance throughout your journey.
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