About Habitat Loans

Connecting people with the right loan.

Habitat Loans is a UK-based secured loan broker, working with trusted lenders and broker partners to help homeowners borrow up to £300,000 quickly and efficiently.

We’re here to simplify your loan search.

Whether you’re consolidating debts, funding home improvements, or covering a large unexpected expense, Habitat Loans helps match homeowners with the right secured loan options—quickly, securely, and with minimal hassle.

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Frequently asked questions (FAQ)

Who can get a Secured loan through Habitat Loans?

To be eligible for a secured loan through Habitat Loans, you’ll typically need to be a homeowner or have a mortgage. Lenders will also consider factors like your credit history, income, and the amount of equity in your property. Even if you’ve had credit issues in the past, we may still be able to help you find a suitable option from our panel of trusted lenders and broker partners.

Do you perform credit checks?

Yes – when you submit your details, we carry out a soft credit check to help match you with a suitable secured loan provider. This type of check won’t affect your credit score and is only visible to you. If you choose to proceed with a full application, the lender may then perform a hard credit check, which will appear on your credit file.

How much could I borrow?

How much can I borrow?

With Habitat Loans, you can typically borrow between £7,500 and £300,000 using a secured loan. The exact amount you’re eligible for depends on several factors, including:

  • Property value and equity – Lenders assess how much of your home’s value you own

  • Credit history – A good credit record may qualify you for higher amounts

  • Affordability – Lenders will check your income and expenses to ensure you can make repayments

If you need a specific amount, just let us know. We’ll review your circumstances and match you with lenders who can offer the size of loan that suits your goals—whether it’s consolidating debt, funding home improvements, or another major purchase.

Feel free to ask if you’d like estimates based on your situation!

Can people with a bad credit score get a secured loan?

Yes, you can still be considered for a secured loan even if you have a poor credit history. Because the loan is secured against your property, lenders may be more flexible compared to unsecured lending. At Habitat Loans, we work with a panel of specialist lenders who consider applicants with bad credit, CCJs, defaults, or missed payments. Your home equity and ability to afford repayments will play a key role in the decision.

Is my personal information safe?

Yes. At Habitat Loans, protecting your personal information is a top priority:

  • Encrypted protection
    All the information you provide—such as income, credit history, and property details—is encrypted using industry-standard SSL/TLS protocols to keep it secure.

  • Strict data controls
    We only collect the information necessary to help you find a suitable secured loan. Your data is never shared without your explicit consent.

  • Regulatory compliance
    As a UK-based broker, we fully comply with GDPR and the Data Protection Act. You have the right to access, correct, or request deletion of your data at any time.

  • Trusted partnerships
    We only work with FCA-authorised lenders and brokers, so you can be confident your data is handled responsibly at every stage.

Your privacy is important, and we take every step to ensure your information is safe and confidential throughout the process.