Discover the Best Homeowner Loan Options with Beagle Finance

Why Choose Beagle Finance for Your Homeowner Loan?

One of the financial solutions we focus on at Beagle Finance, are homeowner loans, second-charge mortgages, and other types of loans that can align with your financial situation and goals.

We Listen

We review your situation, including your credit score, loan term preferences, and financial goals, to suggest the best options for you.

We Inform

From understanding homeowner loan rates and arrangement fees to comparing variable rate and fixed-rate options, our team provides clarity throughout your monthly instalments and repayment charges.

We Help

If you need a loan for bad credit, an equity loan, or a second-charge mortgage, we’ll liaise with trusted lenders to secure sums of money that meet your goals while making certain a manageable repayment process.

Ready to Get Started?

If you’re looking for a secured homeowner loan, a second-charge mortgage, or a debt consolidation loan, Beagle Finance offers flexible and transparent options designed to meet your needs. Explore your options today and take the first step toward achieving your financial goals.

Take our 30-second quiz today to see your best options or speak with one of our advisers for personalised assistance.

Why Now is the Time to Get a Homeowner Loan

Looking for an affordable and flexible way to fund your financial goals? Regardless if it is home improvements, debt consolidation, or other big expenses, Beagle Finance connects you with a secured homeowner loan fitted to your circumstances. As a broker – not a lender – we work with a wide range of financial providers to find working solutions for you. From borrowing against your property for home improvements to consolidating debt, we’re happy to consider all possibilities.

Borrow between £10k and £2.5m, or even up to 100% of your home’s value, with competitive homeowner loan rates and transparent terms. Why wait? Let Beagle Finance simplify the process:

Fast Application: Quick, straightforward, and efficient.
Accessible for All Credit Types: Options for bad credit or a poor credit history.
Transparent Costs: Understand all fees, monthly payments, and credit checks upfront.
Flexible Options: BLoan amounts from £10k to £2.5m, with terms that fit your needs.

Take our quick 30-second quiz now to find your perfect secured homeowner loan option!

Get Access to Great Finance in 3 Simple Steps...

What is a Homeowner Loan?

A homeowner loan is a type of loan that uses your property as collateral, enabling you to access larger sums of money at competitive rates. This type of loan is great for financing major expenses, consolidating debt, or funding home improvements. Popular options include equity loans and second-charge mortgages, which allow you to borrow against the value of your home while spreading the cost over a flexible period of time.

How Does the Homeowner Loan Process Work?

The application process is simple, accessible online, and designed to fit your personal circumstances. Using soft credit checks, you can explore your options without impacting your credit score.

Step 1: Receive a Quick Quote

Input your loan amount and repayment preferences to get an indicative quote. We’ll consider your income, outgoings, and borrowing limits to make sure the right match for your needs.

Step 2: Personalised Guidance

Our experts will guide you through repayment terms, variable rate options, and associated costs such as broker fees, arrangement fees, and repayment charges.

Step 3: Final Approval and Funding

Once approved, funds are transferred directly, allowing you to start using your secured homeowner loan for your chosen purpose.

Benefits of a Homeowner Loan

Access Larger Amounts of Money: Works well for renovations, debt consolidation, or major purchases.
Competitive Homeowner Loan Rates: Benefit from lower rates compared to unsecured loans.
Flexible Loan Terms: Spread the cost over a manageable period of time.
Improve Your Credit Score: Timely payments can improve your credit profile.

Risks of Homeowner Loans

Other Types of Loans We Offer

Secured Loans

Access larger sums of money by using your property as collateral. Secured loans are ideal for individuals looking for flexible borrowing options with competitive rates.

Second-Charge Loans / Mortgages

Use the equity in your property to secure additional funding while keeping your existing mortgage in place. Second-charge loans are a great way to borrow against your home for various financial needs.

Loans for Bad Credit

Even if you have a poor credit history, we can help you find borrowing options. Our lenders consider all credit profiles, offering solutions that work for most circumstances.

Debt Consolidation Loans

Simplify your finances by combining multiple debts, such as credit cards or personal loans, into one manageable monthly repayment plan. This can reduce stress and help free up disposable income.

Borrowing Against Equity

Tap into the equity in your property to access funds for personal or financial goals. Equity loans are perfect for unlocking the value tied up in your home.

Home Improvement Loans

Finance renovations or upgrades that enhance your property’s value and functionality. From kitchen makeovers to energy-efficient upgrades, home improvement loans can help you bring your vision to life.

What Customers Say About Their Experience

We are proud of what we do and that is reflected in what our customers say about us. Below is a list of the feedback we get through Feefo. We hope you’ll find that we do what we say we will, that we’ll listen to your needs, inform you of the best way forward & help you get to where you want to be.

Frequently Asked Questions

What is the difference between secured and unsecured loans?

Secured loans, such as homeowner loans or second-charge mortgages, require collateral like a property, while unsecured loans don’t but typically come with higher interest rates.

Can I get a homeowner loan with bad credit?

Yes! Our lenders consider all credit profiles, offering solutions suited to your circumstances, even if you have a poor credit history.

Can I move home if I have a secured loan?

Your charge mortgage may need to be repaid or transferred to your new property, depending on the agreement.

Are there fees for paying off a homeowner loan early?

Some lenders may apply repayment charges or exit fees for early repayment. Check the terms before applying.

What is the base rate, and how does it affect my loan?

The base rate set by the Bank of England influences the rate of charge on variable rate loans. A higher base rate can increase your monthly payments.

Financial Disclosure: Your home may be at risk if you do not keep up repayments. Think carefully about securing debt against your home.
When consolidating existing borrowing, be aware that extending the term could increase the amount repaid.

Ready to Secure Your Financial Future?

If you’re a UK homeowner, Beagle Finance can help you find a loan that is right for you.

From consolidating debt and funding home improvements to exploring a second-charge mortgage, we have it all.

Take our 30-second quiz now to discover your perfect loan option!