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Secured

homeowner loans

Borrow from £10,000

Search won't affect your credit rating

Any credit history considered

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No upfront fees

We do not charge any upfront
fees for our advice

5 star service

Rated 5 stars from our satisfied
and happy customers

Broker fee guarantee

Our fees are much lower than
industry standard

Utilise the equity in your home

Your home is your biggest asset – use it to unlock the potential to fulfill your dreams: whether that be home improvements, free up surplus cash through debt consolidation, weddings…we can help you access money for what you need.


Our loans team is part of an award-winning group providing 2nd charge loans with over 20 years’ experience.  Access Money is partnered with a range of lenders that allows the product to be tailored to your needs and your circumstances.

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01709 205854

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What is a homeowner loan?

A homeowner loan refers to a secured loan where the sum borrowed is secured against the borrower's home. Their home acts as security, which minimises the risk for the lender but increases the risk for you, the borrower, as you could lose your

home if you don't repay the loan.

To be eligible for a homeowner loan, you will need to either own your own property outright or hold some equity in a property and be paying a mortgage on the remaining value. The total value of the property and the amount of equity you own will determine the size of the homeowner loan you can receive.

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Homeowner loans for home improvements

Home improvements are a great way to add value to your property. Studies show that a kitchen renovation can add as much as 6% to the value of your property and by converting your loft you can add up to a whopping 15%!

Access Money can help fund these projects and realise the potential in your existing home. House price information is based on the Nationwide House Price Index. The cost of moving home is from a 2014 joint study by the Post Office Money and the Centre for Economics and Business Research (Cebr).

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Homeowner loans for debt consolidation

Maybe you've reached the point where it's hard to juggle your monthly debts? Well, you are not alone! According to The Office of National Statistics, the UK population owe a massive £22bn in credit card debt and £35bn in personal loans!

Credit such as unsecured loans, credit cards, mail order and hire purchase can make it all too easy to build up debt - sometimes with large repayments and interest charges.

Access Money can help you to refinance these debts with a secured loan or remortgage into a more manageable single monthly repayment, making life easier for you. In addition, this could make a reduction to your monthly outgoings, freeing up more surplus money.

How much can I borrow?

This will depend on how much equity you have in your home. For example, if your home is worth £250,000 and you have £150,000 left on your current mortgage, then you have £100,000 in equity. A second charge loan will also depend on your

credit rating, may well attract higher mortgage rates - but not perhaps as high as an unsecured loan would such as a

credit card.

Our recent reviews
Outstanding Service

Access Money are outstanding, I highly recommend them. There's no denying, borrowing in the current climate can be stressful, but Andy made the process as stress-free as possible.

S.Hallas

Great Service

Highly recommend Andy Marsh. Andy was very friendly, helpful and kept us informed throughout the process at every stage. Really pleased with the speed and service

S.Islam

Brilliant

Brilliant from start to finish. Kept up to date at every stage of application and was pushed through really quickly. Would recommend Andy to anyone looking for a secured loan.

R. Overet

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