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Homeowner Loans

Secure borrowing with a homeowner loan


Norton Finance can guide you through the process of borrowing against your home, helping you to select and secure the ideal homeowner loan for your unique needs. With access to hundreds of financial products, we’ll be able to identify the one that’s a perfect fit for you. However you choose to use your loan - to consolidate debts, make home improvements or take the holiday of a lifetime - we’re here to help.
  • 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 25 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 3.65%


We’re a broker, not a bank, so 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 is a homeowner loan?

A homeowner loan is a loan that is secured against your property. When you take one out you are borrowing against the value of your home. It means you’re using your home as an asset to cover any outstanding debts on a defaulted loan. The value of your home provides insurance to lenders for the repayment of outstanding secured loans if necessary. Many lenders feel more confident in lending to existing homeowners, and may therefore be more inclined to accept loan applications, and at more competitive interest rates than were you to take out an unsecured loan.

What can you use a homeowner loan for?

You can use homeowner loans for whatever purpose you wish. Some see an affordable loan as a way to fund planned home improvement. By fitting a new kitchen or bathroom, building an extension or installing double glazing, you may increase the value of the property you have borrowed against. For other people a homeowner loan is an affordable way to consolidate other outstanding debts. Combining several debts, paying them off at once and making one regular payment each month in their place can simplify your finances and potentially cost you less in interest over the years.

What’s the difference between homeowner and personal loans?

The difference between homeowner loans and personal loans is that the homeowner loan is secured against your property. When you borrow against the value of your home you’re using it as collateral, which could help you borrow more than you would otherwise be able to. In contrast, personal loans are unsecured. Lenders don’t have the reassurance of previous good form with money management, so they will likely only agree to smaller loan amounts on an unsecured loan.

Why choose Norton Finance for your homeowner loan?

Choose Norton Finance for your homeowner loan if you want real choice, flexibility and expertise. We can search through hundreds of financial products to find those that best match your unique needs. There are lots of homeowner loan deals out there and our skill is in knowing which one will work for which of our customers. The products we offer let customers borrow from £3,000 to £500,000 over periods of anything from 1 to 25 years. Plus, we’re happy to help even if you’ve got poor credit or CCJs, you’re self-employed or retired.

Don’t just take our word for it

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Extremely helpful and efficient.

“Norton Finance kept me informed at all stages of the application which was successful. Would highly recommend.”

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Asolutely faultless.

“Efficient, speedy, informative, polite all due to your wonderful staff. They are a credit to you.”

How much can I borrow with a homeowners loan?

The amount you can borrow with a homeowners loan depends very much on your individual circumstances. When you come to us in search of the right loan, we’ll listen to your needs and use our loan calculator to work out what you can afford to borrow, at what interest rate and over what time frame. As with any other kind of borrowing, home owner loan rates change all the time, which means the amount you can borrow may vary. Other factors that will impact how much you’ll be able to borrow include your credit rating, the value of the property you’re borrowing against, and how much of that value remains outstanding to another lender.

Can a homeowner loan affect my credit rating?

Yes, a homeowner loan can affect your credit rating. The potential impact can be positive or negative. For example, if you borrow a lump sum against the value of your property and use it to pay off outstanding debts elsewhere, then go on to responsibly repay the loan over an agreed period, the overall impact will be to improve your credit rating. Conversely, if you miss repayments or otherwise neglect the loan, you could find your credit rating falls.

So, yes, taking out a homeowners loan could affect your credit rating. However, if you come to us for a no-obligation quote on a homeowner loan, this won’t show up on your credit report.

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