Homeowner loan

Affordable financing with professional advice

Borrow from £10k to £500k
Spread payments over 5-30 years
Authorised and regulated by the FCA
Get a quote
An illustration of a house representing equity that can be used as a security for a loan

A Selina Homeowner Loan can provide significant benefits, but as it’s secured against your home, consider how it may impact your ability to secure future borrowing.

Unlock your financial power with Selina’s homeowner loan

If you’re a homeowner with equity in your property, you can use this to your financial advantage. A loan secured against your property reduces lender risk, so you can access lower rates over longer terms.

Our loans offer lower rates compared to credit cards, personal loans, or bridging loans.

Depending on your equity and income, you can borrow up to £500k with repayment terms ranging from five to thirty years, making it easy to manage within any budget.

Why choose a Homeowner Loan?

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Competitive rates

Enjoy interest rates that are typically lower than those offered by credit cards, bridging loans, or personal loans.

Flexible repayments

Spread your payments over terms up to 30 years, reducing your monthly outgoings.

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Personalised service

Our impartial advisors tailor each recommendation to your circumstances, and our case managers simplify the process for you.

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Regulated and trusted

We are regulated by the FCA and trusted by thousands of UK customers.

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Recommended by customers

Check us out on TrustPilot to hear what our customers are saying.

Discover your borrowing power

Get a quote in just a few minutes

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Borrow £10k - £500k
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No impact on your credit score
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Rates starting from 7.89%
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Authorised and regulated by the FCA
Get a quote
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A Homeowner Loan of £100,000 over 25 years results in 300 monthly payments of £795.09 at a variable rate of 7.89%, set at 3.14% above the Bank of England Base Rate. The total cost over the full term is £235,527.00, including interest of £138,527.00, an arrangement fee of £3,000 and product fee of £995 added to the balance. APRC: 8.68%.
High loan amounts
Borrow up to £500k, depending on your income and the equity in your property.
Spread the cost
Reduce your monthly payments by spreading the cost over a longer term.
Best rates
Our homeowner loans feature the lowest rates in our portfolio.

Access large loans with affordable monthly payments

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Get peace of mind with our personalised service

Whether you’re self-employed or have had issues with high-street banks, we offer a flexible and holistic approach to your financial situation. Our dedicated team will understand your specific needs and help you find the most cost-effective solution, whether it’s for school fees, home renovations, or consolidating debts.

Get a quote

What people say about Selina Finance

Versatile loan uses

Debt consolidation

Combine your debts into one manageable loan.
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Home improvements

Fund your renovation projects with ease
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Buy-to-let mortgage

Expand your property portfolio with competitive rates.
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How to apply

A simple, hassle-free process

1

Check your eligibility

Answer a few simple questions in just two minutes.

2

Get a personalised quote

Complete your full application in ten minutes. There’s no commitment, and getting a quote won’t affect your credit score.

3

Speak to an advisor

We’ll understand your situation and goals before recommending the right product.

4

Submit your documents

If you decide to proceed, provide the necessary documents, and you could receive the funds in as little as 48 hours.

Get your quote now – it only takes two minutes and won’t affect your credit score.

Get a quote

Your questions, answered

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments.