Homeowner loan

Affordable financing with professional advice

Borrow £10,000 to £500,000 against your property
Perfect for debt consolidation and home improvements
Lower rates than most personal loans or credit cards.
Check your homeowner loan eligibility in minutes. Get funded shortly after approval.
Get a quote
This won't impact your credit score
An illustration of a house representing equity that can be used as a security for a loan

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Remember, if you consolidate your existing borrowing, you may be extending the term and increasing the amount you repay in total.

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 of 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.

*Representative example: A loan of £100,000 over 25 years results in 60 monthly payments of £653.61 at a fixed annual rate of  5.74% and 240 monthly payments of £696.86 at a reversion rate of 2.54% above the Bank of England Base Rate. The total cost over the full term is £206,462.71, including interest of £102,467.71, an arrangement fee of £3,000 and a product fee of £995 added to the balance. APRC: 6.81%.
Fast access to funds
Simplify your finances
You could be eligible for up to
£300,000
Get a quote
This won't impact your credit score
Estimated home value £450,000
Remaining mortgage amount £110,000

How much could I borrow ?

Selina offers debt consolidation loans from £10k to £500k, with rates starting from 5.74%

How Selina’s Homeowner Loan compares against other financing options

Type of product
Type of product
Type of product
Type of product
Quick access to funds
Type of product
Amount borrowable
Type of product
Flexibility (access to funds)
Type of product
Pay interest only on what you use
Type of product
Early repayment charges
Type of product
Repayment term
Type of product
Interest rates
Type of product
Max LTV
Selina Homeowner loan
Type of product
Second charge mortgage
Quick access to funds
Tick icon
48 hours
Amount borrowable
£10-£500k
Flexibility (access to funds)
Fixed lump sum upfront
Pay interest only on what you use
Cross icon
No
Early repayment charges
Warning icon
May apply
Repayment term
5-30 years
Interest rates
Fixed or variable rates
Max LTV
Up to 100%
Selina HELOC
Type of product
Line of credit (Second charge mortgage)
Quick access to funds
Tick icon
Draw as needed
Amount borrowable
£10k–£500k
Flexibility (access to funds)
Anytime, up to credit limit over 2-5 years
Pay interest only on what you use
Tick icon
Yes
Early repayment charges
Tick icon
None
Repayment term
5–30 yrs
Interest rates
Variable rates
Max LTV
Up to 85%
Remortgage
Type of product
First charge mortgage
Quick access to funds
Cross icon
Lengthy process
Amount borrowable
Up to 90% LTV
Flexibility (access to funds)
Fixed lump sum upfront
Pay interest only on what you use
Cross icon
No
Early repayment charges
Warning icon
May apply
Repayment term
5-40 years
Interest rates
Fixed or variable rates
Max LTV
Up to 90%
Personal loan
Type of product
Unsecured loan
Quick access to funds
Tick icon
Quick approval
Amount borrowable
Up to £50k
Flexibility (access to funds)
Fixed lump sum upfront
Pay interest only on what you use
Cross icon
No
Early repayment charges
Warning icon
Often applies
Repayment term
1-7 years
Interest rates
Fixed or variable rates
Max LTV
N/A
Credit card
Type of product
Revolving credit
Quick access to funds
Tick icon
Instant (if available)
Amount borrowable
Up to £25k
Flexibility (access to funds)
Up to credit limit monthly
Pay interest only on what you use
Tick icon
Yes
Early repayment charges
N/A
Repayment term
Indefinite
Interest rates
Often 0% intro then 20% +
Max LTV
N/A

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.
An arrow pointing up and to the right
An illustration representing peace of mind

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
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

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 5.74%
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Authorised and regulated by the FCA
Get a quote
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*Representative example: A loan of £100,000 over 25 years results in 60 monthly payments of £653.61 at a fixed annual rate of  5.74% and 240 monthly payments of £696.86 at a reversion rate of 2.54% above the Bank of England Base Rate. The total cost over the full term is £206,462.71, including interest of £102,467.71, an arrangement fee of £3,000 and a product fee of £995 added to the balance. APRC: 6.81%.
An illustration of a simple shaped blocks going into corresponding holes
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 your funds shortly after approval.

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

Get a quote

What people say about Selina Finance

Trustpilot

Your homeowner loan questions, answered

What is a homeowner loan?
Is a homeowner loan the right choice for me?
Will taking out a homeowner loan affect my current mortgage?
How much can I borrow with a homeowner loan?
Can I make overpayments or repay my homeowner loan early?
Will I have to pay any fees?
What’s the difference between a homeowner loan and a mortgage?
What’s the difference between a homeowner loan and a personal loan?
Get a quoteSee all FAQs

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

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Selina Finance Limited is a company registered in England and Wales (11497606)

Selina Finance Limited is authorised and regulated by the Financial Conduct Authority (FRN 820183). Our registered address is HYLO 103-105 Bunhill Row, London EC1Y 8LZ