No-fuss Homeowner Loans.

Whatever your credit history.

Home renovation. Debt Consolidation. Starting a business.

Whatever you need a loan for, a homeowner or second-charge mortgage could be the answer you’re looking for.

A homeowner loan allows you to release the equity in your property to use for anything you need without re-mortgaging or changing your existing mortgage arrangement.

Apply Online in Minutes. Free no-obligation homeowner loan quote. Quick & easy.

Make your property’s equity work for you.

Unlock the funds in your home through a fast homeowner loan

A homeowner loan, or second-charge loan, is a loan borrowed against a property you own (but don’t have to live in). It’s a cost-effective alternative to remortgaging, allowing you to release capital in your property without affecting your current mortgage rate.

 A second-charge mortgage, or homeowner loan, allows you to borrow against the equity you’ve built up in your property. This makes it ideal for home improvements, consolidating debts, or bigger goals like starting a business, investing, or making a once-in-a-lifetime purchase.

As a homeowner loan is secured against a property, you can usually borrow more money than a personal loan—between £10,000 and £1 million—as there is collateral, making it a safer bet for lenders.

A homeowner loan can also be used for any purpose, making the options nearly endless. What will you use it for?

Quick Homeowner Loans from £10k to £1 million.

High loan to value Homeowner loans, whatever your circumstances

We can get funding for you, even if you have poor credit history.

DotBroker specialises in property loans, including homeowner loans and second-charge mortgages. We’re committed to helping everyone secure the funding they need, regardless of their circumstances.

Not fitting the criteria banks or traditional lenders set doesn’t mean you’re out of options. It just means you need a different approach.

DotBroker is at the forefront of the industry, combining our experienced team with the power of AI technology to find you the best deals. We search thousands of lenders to tailor loans to your specific needs, and we also consider alternative sources like private funders, banks, and investment firms to expand your options.

We’re leading the way in making fast and fully funded homeowner loans accessible to individuals with any credit history, helping you turn your projects, goals, or dreams into reality.

Our commitment to you goes beyond finding the best deal. We ensure that the loan we secure is tailored to your unique needs, budget, and requirements.

Our transparent and clear approach keeps you informed at every step of the process, so you always know where you stand.

Whatever your needs, our specialist team can secure the right homeowner loan for you.

3 Quick & Easy Steps to a Homeowner Loan.

1) Apply Online in Minutes

Enter some basic information to get your free no-obligation loan quote, tailored to your circumstances. Your application will only take a few minutes to complete, and our experts are on hand to answer any questions you have about financing options.

2) Matched with the best deals

Our experienced team, together with some help from our A.I tech, will search our database of lenders and alternative funding options, matching you with the best deals based upon your requirements. We’ll keep you informed every step of the way.

3) Stress-free funding

Once you’ve chosen the loan right for you, you’ll be able to access the funds quickly and easily. We’ve helped thousands of people access quick, fast funding. As a broker, we only work with trusted lenders to bring you deals and borrowing options that others may not be able to provide.

What our customers say.

  • "I was struggling to find a loan due to my less-than-perfect credit score, but Dot Broker made the process incredibly smooth. They found a homeowner loan that suited my needs perfectly, and I was able to consolidate my debt and start fresh. I highly recommend DotBroker to anyone needing financial help, regardless of their credit history."
    — Sarah T.

  • "DotBroker was a lifesaver! After being turned down by several banks because of my credit history, I was beginning to lose hope. DotBroker worked tirelessly to find a homeowner loan that worked for me. Their team was professional, understanding, and incredibly efficient. Thanks to them, I was able to fund my home renovation project and increase my property’s value."
    — Mark J.

  • "I never thought I could qualify for a homeowner loan due to my poor credit history. DotBroker changed that for me. They were so helpful and found a loan option that was perfect for my situation. The process was seamless, and the support I received was exceptional. I now have the financial stability I needed to start my own business. Thank you, DotBroker!"
    — James L.

  • "DotBroker is the best! I had a lot of medical bills piling up and didn't know where to turn because of my bad credit. The team at DotBroker found a homeowner loan that provided the funds I needed quickly and with terms I could manage. They really care about their clients and go above and beyond to help."
    — Emily R.

  • "Working with DotBroker was a fantastic experience. I was hesitant at first because of my credit issues, but they assured me they could help, and they delivered on that promise. They found me a homeowner loan with great terms, allowing me to cover my daughter's college tuition. DotBroker made what seemed impossible, possible."
    — Karen M.

Tick that task off the list.

Homeowner loans for any purpose.

A homeowner loan, also known as a home equity loan or a second charge mortgage, allows you to borrow against the equity in your home without mortgaging. It’s making the capital in your home work for you, allowing you to turn your dreams into a reality.

A homeowner loan can be used for a variety of purposes, including:

Buying a high-value item like a new car, boat, or other expensive purchase.

Starting a new business or expanding an existing one.

Consolidating high-interest debts into a single lower-interest payment

Making Home Renovations or repairs to increase the value of the property.

Providing a financial cushion for unforeseen emergencies or urgent needs.

Travelling or taking an extended holiday or trip

Supplementing retirement income, especially if other savings are insufficient.

Investing in an opportunity, stocks or bonds.

By unlocking the equity in your home, a homeowner loan can help you do what you want to do, whether for you, your family, or your home.

““I had always dreamed of renovating my home for my family, but my poor credit history from being unable to pay some bills due to losing my job early in my career made it impossible to secure a loan through traditional banks. Feeling frustrated and hopeless, I was recommended DotBroker by a friend. From the start, they listened without judgment and assured me they could help. Utilising their vast network of lenders and advanced AI technology, DotBroker found me a homeowner loan with good terms, even on my nurses’ salary. The process was smooth, and they kept me informed every step of the way. Thanks to DotBroker, I was able to transform my home into a comfortable and stylist space and increase its value, turning my financial setback into a brighter future for me and my family.””
— Jane, a dedicated nurse and single mother of two

Turn that no into a YES!

We can find you a homeowner loan if you’ve got a home, property or building asset.

The main requirement of a homeowner loan is that you own—or have a mortgage—on a property that you can borrow against. Other than that, even if you have a poor credit history (due to defaults, county court judgements, IVA/DMP, bankruptcy, or late payment), we can help you find the homeowner loan right for you.

We have access to a range of specialist lenders who are willing to help you, even if you’ve been turned down by the High Street banks. Not only do we search thousands of lenders to find you the best loan tailored to your requirements, but we also consider alternative methods like private funders, banks, and investment firms to increase your options.

We’re leading the way in making quick and simple homeowner loans accessible to individuals with a home, whatever the circumstances. Our straightforward application process is designed to make your experience stress-free, enabling you to turn even the biggest dreams into a reality.

Whatever you need, we can find the loan right for you. With a wide range of loan options at your disposal, you're in control of your financial future.

Homeowner Loans Frequently Asked Questions.

  • A homeowner loan, also known as a home equity loan or second-charge mortgage, is a type of loan where the borrower uses their home's equity as collateral. It allows homeowners to borrow a lump sum based on their property's value.

  • A mortgage is a loan used to purchase a home, while a homeowner loan is taken out against the equity already built up in an existing home. Both use the property as collateral, but a homeowner loan is typically a secondary loan to an existing mortgage.

  • Homeowner loans can be used for various purposes, including home improvements, debt consolidation, major purchases, business investments, travel, and emergency expenses. There is no set requirement as to what a homeowner loan can or can't be used for.

  • The amount you can borrow depends on your home's equity, credit score, income, and the lender's policies. Typically, lenders allow you to borrow up to 80-85% of your home's equity.

  • Interest rates for homeowner loans are generally lower than unsecured loans because your property secures the loan. Rates vary based on your credit score, the loan amount, and the lender's terms. We can guide you through the options.

  • Being a homeowner- or having a mortgage on a property- is a set requirement, but your circumstances and credit score do not affect your ability to apply for and receive a homeowner loan.

  • Interest paid on a homeowner loan may be tax-deductible if the loan is used for home improvements that substantially increase the property's value. However, tax laws change, so it's best to consult a tax advisor for current regulations.

  • Repayment terms vary by lender but typically involve fixed monthly payments over a set period, usually 5 to 30 years. The payments include both principal and interest, and failure to repay can result in foreclosure.

  • A homeowner loan can be taken out on any property you own, but it doesn't have to be your main home. You can use a Buy to Let property, a second home, or a semi-commercial property for a homeowner loan.

  • If you're not sure whether the property you want to raise funds for is eligible or you have a question about Homeowner loans that you can't find the answer to, please get in touch with us. We'll explain all the details of homeowner loans so you can confidently find the right deal for you.

Your Specialist Property Finance Experts.

Helping you to find the right homeowner loan for you.