Home owner loans, mortgages, finance. Mortgage advice, information on home owner loans and finance guides from Mortgage Brokers and Independent Financial Advisors.

Home owner loans (which are also called secured loans) are like mortgages in as much as they are loans which are secured against your property. This means that in the event that you do not keep up repayments on the loan then the lender can repossess your home. But the up side of this is that because the lender has this extra security, they will usually offer lower interest rates for home owner loans than they do for unsecured personal loans.

Home owner loans can be used for all sorts of things, such as paying for a wedding, financing home improvements, clearing other debts, paying for a holiday, or buying a new car.

Home owner loans can be a useful alternative to a remortgage, particularly if you need to arrange the loan quickly, of if you are tied into a mortgage deal that has early redemption penalties.

Home owner loans are typically available for anything from £3,000 up to £500,000 and can be repaid over anything from 3 to 25 years.

A mortgage is a loan used to buy a house or other property.



The UK has over 150 mortgage lenders and between them they offer a range of over 6000 different mortgage and remortgage deals. With such a huge choice of mortgages available, it can time-consuming and hard deciding which mortgage or remortgage is right for you.

Your mortgage is probably the largest financial commitment you will ever make, so making the wrong choice could cost you dearly.

There are lots of different types of mortgages available nowadays. These include fixed rate mortgages, variable rate mortgages, discount rate mortgages, mortgages for first time buyers, self-employed mortgages, tracker mortgages, capped rate mortgages, flexible mortgages, and debt consolidation mortgages.

There are also plenty of mortgages for people with credit problems, including: bad credit mortgages, mortgages for debt consolidation, IVA mortgages, mortgages for discharged bankrupts, mortgages to stop repossession, mortgages for people with mortgage arrears, poor credit mortgages, and mortgages with bad credit for first time buyers.

Finance is one of the most heavily regulated industries in the UK. If you are thinking of taking out a homeowner loan or an unsecured personal loan, you should check to make sure the lender, broker or adviser you are dealing with holds a valid consumer credit licence for the type of finance you are arranging.

If you are taking out a mortgage, make sure the adviser or mortgage broker, and the mortgage lender are authorised and regulated by the Financial Services Authority.

Finance is available in various forms, both secured and unsecured. Secured finance includes things like mortgages and homeowner loans which are secured against an asset such as a house. Unsecured finance covers finance such as personal loans, credit cards, store cards, car loans, and hire purchase agreements. Unsecured finance is usually more expensive than secured finance because the lender is taking a greater risk.