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More than any bank

Homeowner Loans

Borrowing made simple with secured homeowner loans


Your home can be a powerful asset for life. So, borrowing against the value of your property with a new homeowner loan can create fantastic opportunities. Norton Finance are experts in finding our customers their perfect loan, no matter what their circumstances, with our friendly, professional service.
  • Massive choice

    We search the market from over 600 plans.

  • Flexible terms

    You can choose to spread the cost over any term from 1 to 30 years.

  • Here to help

    Even if you have a poor credit history or CCJs, are self-employed or even retired.

Looking for a larger amount?

Alternatively, call FREE on 0800 694 5566 Open 24 hours a day.

Homeowner rates, from 2.9%

2019 Gold Feefo Trusted Service Award

Unlike a bank we can search wider to find you the best products. So you get more choice not more rejections, even if you have a bad credit history. And that’s more than any bank can offer

What are homeowner loans?

A homeowner loan is a type of credit secured against the value of your property. It allows you to use the value of your home as a guarantee to lenders that you’ll be able to repay a loan, by putting up your property as an asset. Because they’re more confident in lending to homeowners, lenders tend to offer more favourable terms than those of an unsecured loan.

How do homeowner loans work?

A homeowner loan works like a mortgage - the amount you borrow is insured by the value of your home. You’ll pay off the loan with interest rates each month over an agreed timeframe.

What can I use a homeowner loan for?

A homeowner loan from Norton Finance can be used for a wide variety of purposes, including:

Home

Home improvements

Carrying out renovations on your home could increase your property value.
Money

Debt consolidation

Take control of your finances by consolidating different debts into one, simple homeowner loan.
Building

Starting a business

Use your homeowner loan to set up an enterprise and invest in your future.
Retirement

Funding retirement

Make plans for the future with your homeowner loan.

Is a homeowner loan right for me?

Taking out a homeowner loan is a big decision that shouldn’t be made lightly. Before you apply, carefully consider how best to use the money you’re borrowing, and what terms will be manageable for you month-to-month. A homeowner loan may put your home at risk if you fail to maintain the agreed repayment schedule.

Am I eligible for a homeowner loan?

So long as you own all or part of your own home, you could be eligible for a homeowner loan. It’s our job as a mortgage broker to help you take control of your financial situation, securing the funds you need. We can identify the ideal homeowner loans for people with poor credit or CCJs, unemployed or retired.

What do I need to apply for a homeowner loan?

To begin your application, use our homeowner loans calculator to see how much you can afford to borrow. Once you’ve chosen how much you wish to borrow, and for how long, you can begin your application online. As well as your most recent mortgage statement, make sure you have all the following details to hand:

Debt Consolidation Loan FAQs

Please click below for the answers to our most commonly asked questions. If you can't find the information you need, call us free on 0800 694 5566 and one of our advisers will be happy to help.

How much can I borrow?

Norton’s homeowner loans vary in value from £3,000 to £500,000.

How long will it take?

As soon as you apply for the loan, you’ll receive a decision in principle. The loan will be properly finalised within two weeks of applying.

How long are the repayment terms?

Repayment terms are flexible. They can be a short as a year, or as long as 30 years. The most important thing is that you’re comfortable with the time period.

What are the interest rates?

While homeowner loan interest rates can be as low as 2.9%, the rate you secure will depend on your history of personal finances and your current circumstances.

Are there any loan fees?

We’re a broker, not a bank, so we search the full range of lenders’ products to see how all of their homeowner loans compare. Once a loan is secured, we take a commission payment from the lender and we may also charge a broker fee. This is charged at 12.5% of the loan itself, to a capped figure of £3,995. If a loan is unsecured, we won’t charge a broker fee.

Can I move house with a homeowner loan?

Anyone who sells their home will have to pay off the homeowner loan they’re currently servicing, or transfer the amount to a new mortgage.

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