Borrow £10,000 to £300,000 secured against your home
Find the right secured loan for you with competitive rates and fast quotations.
Rated: 4.96 / 5 based on 279 reviews
Rated: 4.96 / 5 based on 279 reviews
Typical 8.699% APRC variable Representative Example: If you borrow £15,000 over 10 years at an annual interest rate of 6.133% you would make 120 payments of £187.58 per month. The total amount repayable will be £22,509.92 (This includes a lender fee of £595 and a broker fee of £1,200 which have been added to the loan). Total charge for credit will be £7509.92. Overall cost for comparison is 8.699% APRC representative. Secured loans are secured against your property. We are an expert broker and not a lender.
Finding the right loan at Habitat Loans
Fast, Personalised Secured Loan Offers
Complete our quick 2-minute form and we’ll match you with a suitable secured loan provider. If you’re eligible, you’ll be able to view your options and continue your application directly with the lender.
Quickly Find the Right Secured Loan Lender
Habitat Loans makes it easier to find the right secured loan by matching you with lenders most likely to approve your application. It can help you save time and avoid unnecessary checks that could impact your credit score.
Habitat Loans lets you compare trusted UK secured loan providers all in one place.
Frequently asked questions (FAQ)
A secured loan is a type of borrowing that’s backed by your home. Because the loan is secured, lenders may be able to offer lower interest rates and higher borrowing limits than you’d usually find with an unsecured loan. Note your home is at risk of reposession if you faily to make payments.
ChatGPT said:
No, when you apply with Habitat Loans, we only carry out a soft credit check to match you with lenders. This won’t affect your credit score or be visible to other lenders.
Loan amounts usually range from £5,000 to £500,000, depending on factors like your home equity, income and credit history. We’ll help you find options that are most suited to your individual circumstances.
If your application is approved, funds are typically released within one to three weeks. Timeframes can vary depending on the lender and whether any legal or valuation work is needed.
You can use the funds for almost any legal purpose – home improvements, consolidating debts, major purchases, or helping with life events such as weddings or education.
Habitat Loans does not charge you a fee. However, the lender or broker we introduce you to may charge a fee, which will be clearly disclosed in the loan documentation before you proceed.
Yes. PJG Financial Ltd is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 919697. You can verify our registration on the FCA website.
Why choose us?
We’re authorised and regulated by the Financial Conduct Authority, giving you peace of mind that you’re dealing with a responsible broker.
We work with a carefully selected panel of established UK lenders offering competitive secured loan options tailored to your needs.
Our initial search uses a soft credit check only—so you can explore your options without affecting your credit file.
Apply online and get a call from an adviser in minutes and get matched with a suitable lender.
We look at your circumstances to find lenders most likely to approve your application – saving you time and stress.
We specialise in secured loans, also known as homeowner loans, giving you access to expert guidance throughout your journey.