Exclusive Homeowner Loans
From £10,000–£500,000
If you’re a homeowner looking for finance to make life a little easier, a secured loan can help bring plans forward.
- Loans for any purpose
- Loan terms from 3–30 years
- Comprehensive panel of lenders
- No upfront fees or hidden charges
This will not affect your credit score
Loans for any purpose
Whether you have a mortgage or own your property outright, these loans offer flexible borrowing and are available across a wide range of credit profiles, as well as employed, self-employed, retired and benefits-based incomes.
Common uses include:
Home improvements such as conservatories, extensions, landscaping, kitchens and bathrooms
Debt consolidation to bring multiple repayments into one
Large purchases or unexpected expenses
School or university fees
Whatever your goal, our advisors will help you explore suitable options safely and responsibly.
A homeowner loan may not be right for everyone, but it can offer more flexibility and higher borrowing limits than many unsecured loans. Because the finance is secured against your property, you may also have access to lower interest rates or longer repayment terms — typically between 3 and 30 years.
Debt Consolidation
A Debt Consolidation loan can simplify your finances by combining several payments into one. This can often create more breathing space each month, provide a clearer path forward, and even reduce monthly payments.
More about Debt Consolidation
Home Improvements
A secured home improvement loan allows you to invest in your property—whether you’re updating your kitchen, adding space, or simply making your home work better for you and your loved ones.
More about Home ImprovementsA straightforward process:
How it works
Quick online application
Tell us about yourself and what you’re looking forPersonalised review
We manually assess your application, compare suitable options, negotiate with lenders, and provide a free personalised quoteReceive your loan
If approved, funds are typically released within two weeks.Every application is manually underwritten and tailored to the individual’s circumstances. Your personalised quote will be based on your circumstances, including your income, credit history and the equity available in your home.
Get Started(This will not affect your credit score)
Customer Reviews
Why choose Optimise Finance?
Extensive experience
Our advisors hold specific qualifications to help you
Broad access
Our wide panel of lenders includes specialist providers and can offer competitive products, even if you’ve had some credit challenges
Approved and authorised
We are directly authorised by the Financial Conduct Authority
We take the time to understand your situation and match you with suitable products, giving you clear information so you can make an informed decision with confidence. Every quotation is free and confidential.
More About UsA Debt Consolidation loan can simplify your finances by combining several payments into one. This can often create more breathing space each month, provide a clearer path forward, and even reduce monthly payments.
More about Debt ConsolidationA secured home improvement loan allows you to invest in your property—whether you’re updating your kitchen, adding space, or simply making your home work better for you and your loved ones.
More about Home Improvements
Access cash from your home while staying in it, with equity release and later-life mortgages for homeowners aged 55 and over.
More about Equity Release
Reduce your current rate, consolidate debt, carry out home improvements, or help your children onto the property ladder.
More about Mortgages and Remortgages
Funding solutions for landlords expanding their portfolio, buying their first property, or renting out a home they’ve moved from.
More about Buy to Let
Secure short-term bridging finance quickly. Our lender panel allows us to find competitive solutions, often producing terms within the hour.
More about Bridging Finance
Flexible business loans with clear repayments and competitive terms. Ideal for growth, new premises, equipment, or cash flow.
More about Business Loans
Optimise Finance provides tailored commercial loans quickly, with clear terms and flexible repayment options to support your business growth and investment needs.
More about Commercial Loans