Online information on home loans and the different home loans available to homeowners. Whatever your circumstances, whatever the reason for your home loan, apply online for free.

Home loans guide with a UK home loans online application

For all you need to know about home loans we have put together a comprehensive home loans guide below.

home loans

secured home loans

home improvement loans

unsecured home loans

home owner loans

One simple online application for a home loan and we will find you the best home loan available to you.

If you would like more information about home loans CLICK HERE

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Home Loans

Home loans are loans available to home owners only. They are secured against your home, which is used as security for the lender to protect the money you have borrowed. With home loans, because you agree to offer the lender security over your home, the lender has the right to take ownership of this asset if you fail to make the repayments due. So in the event of you not repaying the loan, your home is at risk. These loans are based upon the equity available in your property after deducting your current outstanding mortgage, and because you give the lender some security, home loans attract a better, lower interest rate compared to the unsecured loans on the market.

What's the advantage of home loans?

  • These types of loans tend to be easier, more flexible and quicker to process than your original mortgage, as there is no need for an upfront survey, you do not usually incur legal fees.
  • Home loans can normally be paid off over a longer term than unsecured loans such as personal loans, which can help to reduce payments even more.
  • Should your finances improve, you will be allowed to make overpayments to clear the loan more quickly.
  • Home loans usually attract a lower rate of interest than unsecured loans as the lender has some certainty that their lending will be recouped.

What can I use home loans for?

Home loans can be used for almost any purpose. They are not as restricted as unsecured loans. Common uses include:

  • Consolidation of existing debts
  • A new car
  • Building an extension, or loft conversation
  • Travel
  • Home improvements
  • A wedding
  • Major purchases.

Getting quotes for home loans

It can be time-consuming to search for good rate home loans. Explore Finance can take a lot of the work out of the process. You can apply online and our brokers will return your call, usually the same day. We're open 7 days a week and aim to get you a loan in principle within 24 hours. We help thousands of people obtain loans every week, and are one of the UK's largest independent loans brokerages. Contact us for a quote.

Financial Information Sites And Applications

Do you need someone to find you the best unsecured loans available? As a broker we have access to leading lenders to find you the best possible rates for you unsecured loan.

If you feel that debt consolidation loans would be the best suited loan for you, we have created a dedicated site full of information about debt consolidation.

Whilst your in the market for finding the best possible secured or unsecured loan, why not also find out if you have the best mortgage available to you. We have a site dedicated to finding mortgages and remortgages that are competative and offer the latest deals and rates.

It always seems that a better deal comes around just after you have taken out a loan, or you end up getting tied into high interest rates on store cards and credit cards. A site dedicated to cheap debt consolidation loans is just the place to consolidate all these high repayments into one smaller easier to manage repayment. Extra cash in your pocket each month, and no more store cards - Perfect!

When taking out a mortgage most people take out life insurance. But have you ever considered what would happen in the event of a critical illness occuring? Life insurance won't payout, but you still need to meet monthly commitments. Find out information about critical illness insurance and make an online application with no obligation.


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home loans can save you money each month as well as release spare money in you home
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OUR TYPICAL, VARIABLE RATE IS 10.9% APR. RATES RANGE FROM 7.25% to 27.60% APR
The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
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.
Special plans on different terms for clients with CCJ's arrears, and for the self employed without income proof. (fees may apply but only on problem cases - max 10% - no loan, no fee)
All loans subject to status in the UK to home owners aged 18 and over and may be secured on property.
Written quotations available on request. Other terms and amounts available

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