If you are a homeowner struggling with a bad credit score, we, at Loan Princess can help you avail secured or unsecured homeowner loans. Whether you choose to take a large second charge loan or an unsecured personal loan, we can help you find homeowner loans in the UK.


A secured homeowner loan uses your residential property as collateral. It is a second charge loan that uses balance equity as a loan security. Generally, people who seek a large sum of money opt for secured homeowner loans with bad credit.

We at Loan Princess can help you avail secured loans beginning from £500 to £35,000. The loan eligibility and cost would certainly depend on your monthly income and home equity.

Being a homeowner, it is likely that you already have a mortgage on your home. When you want to get a fresh loan, the lender would consider the balance equity to calculate your eligibility for homeowner loan. At Loan Princess, we help borrowers evaluate how much they can borrow as homeowners with a bad credit rating.

Most people who opt for secured homeowner loans seek debt consolidation loans. By consolidating debts using home equity, they will be able to avail low cost home improvement loans. Consolidation helps to make the monthly debt affordable and ease the bad credit situation.


An unsecured loan is the loan that is granted without collateral. The eligibility of unsecured loans is based on the borrower’s creditworthiness. However, when you have a bad credit, owning a home goes in your favour.

Like personal loans, there is no restriction on the use of funds. You can avail an online homeowner loan for home renovation, business expansion or travel plans. Besides, debt consolidation, people in the UK use homeowner loans to fund home improvement plans.

Simple home expansions such as kitchen remodelling and adding sitting space on garden can enhance the value of your home. As the value of your property increases, so does your credit worth.

Our team can help you find easy to repay financing solutions like sofa on finance, boiler finance, kitchen finance and many more. You only need to share your list of expenses and we might help you find the best home improvement financing options despite your current mortgage.


Generally, people who seek long-term loans for bad credit rating apply for homeowner loans for bad credit. You can apply for secured homeowner loan or unsecured homeowner loan according to your credit situation.

Being a homeowner, you can apply for home equity loans despite your past credit situation. Your monthly income or occupation doesn’t affect your loan eligibility. Many unemployed people also take shelter in homeowner loans to stay afloat until they find a new job.

We never recommend haste in decision-making, but believe in empowering borrowers to make informed decisions.


  1. Fill & submit the form on this page.
  2. We will contact you after assessing your credit profile and loan request application.
  3. If approved, we will search for the closest matching deals available in the UK with our panel of lenders and you can choose the best one without a delay.

You can contact us for assured help on following homeowner loans:

1. Loans for home improvement

Home improvement enhances value of your property. Whether you plan a short-term revamping of your home or want to add some additional space in a bigger project, we can help you seek decent amount without fail. We can search for exclusive loans for kitchen renovation, loans for house renovation and many more according to your credit requirements.

2. Loans for urgent purchases and home furnishing

The broking services at Loan Princess are planned according to custom needs of people in the UK. We have tie-ups with experienced lenders offering loans for boilersloans for home furnishing including furniture and more.

3. Debt consolidation loans for bad credit

When the rate of debt to income ratio exhilarate causes bumpy financial ride, it is time to opt for debt consolidation. We provide 100 % online support for the same. We help borrowers seek affordable debt consolidation loans against their home equity.

4. Personal loans for homeowners

In case, you do not want to risk the ownership of your home, we can help you find personal loans for bad credit. Being a homeowner, we will search for cheaper options available with our partner lenders for you.


  1. The loan application is approved swiftly.
  2. There is less paper work for homeowners as compared to tenants.
  3. The loans are offered at cheaper interest rate.
  4. Most of the lenders prefer bad credit borrowers with home ownership.
  5. A homeowner can also help people with bad credit rating avail guarantor loans.


  1. At Loan Princess, we extend help to all those who contact us despite their bad credit rating.
  2. We search for deals at the lowest available rates.
  3. We are registered by the FCA and contact regulated lenders only.
  4. We help borrowers avail affordable instalments.
  5. We never ask for guarantor or collateral.
  6. We extend 100% online support to repay the loan on time.
  7. Our broking service is absolutely-free and there is no upfront fee involved. We do not have any hidden charges.

Give wings to your home improvement dreams and fill application form now!

Example Apr

We compare loans that can be paid back over between 1 and 25 years. The APR interest rate you’ll be charged depends on your personal circumstances, and will be between 3.2% and 99.9%.
This is a representative example of what it may cost: a loan of £7,500 over 60 months at 3.3% APR would equate to monthly repayments of £135.60, and the total cost of the loan that you pay back would be £8,136.22.

Warning: Late repayment can cause you serious money problems. For more information, go to MONEYADVICESERVICE.ORG.UK
Credit subject to status & affordability assessment by Lenders.
Loan Princess is a credit broker and not a lender