Unsure what to search for? Other customers found these helpful.

Homeowner loan

Borrowing a lump sum?

Unsecured personal loans or secured loans for almost any purpose available for UK homeowners. If selecting a secured loan then think carefully before securing other debts against your home as it may be repossessed if you don’t keep up repayments on this debt. All loans are subject to status.

Own your home? Need a loan?

  • Flexible terms of 1 to 25 years
  • Loans arranged by Freedom Finance from their panel of lenders
  • Price quotes provided without affecting your credit profile
  • Homeowner loan overview

    Homeowner loan

    A no obligation price quote is provided without affecting your credit profile

    This loan could suit you if

    • You own your home
    • You're looking to borrow up to £250,000
    • You’re looking to extend the term of your loan


    For secured loans a charge over your property will be required.

    Why a homeowner loan?

    You can use a homeowner loan for just about any purpose as long as it’s covered by the lender’s terms. Many people use larger loans for larger purchases such as a new car. They're also used to fund home improvement projects and to consolidate outstanding debt and lower outgoings by spreading borrowing over a longer term, although this may mean that you pay more interest overall.

    About Freedom Finance

    Freedom Finance are a credit broker and have an agreement with us to arrange loans for our customers.

    The loan will come from a reputable lender on Freedom Finance’s panel. Getting a price quote from Freedom Finance won’t affect your credit rating. When we refer you to Freedom Finance, this doesn’t mean that your loan application will be successful.

    There may be a fee for your loan, which would be added to the loan value and interest charged on it over the term of the loan. If you arrange a loan through Freedom Finance, we’ll receive a commission.

    For these purposes Barclays Bank PLC is acting as a credit broker and not as the lender

  • Eligibility

    You'll need to be:

    • 18 or over
    • A UK homeowner with the permanent right to reside in the UK
    • Earning a household income of at least £8,000 pa

    If you’re eligible, we can refer you to Freedom Finance – but this doesn’t mean that your loan application will be successful, as the loan is still subject to status.

  • How to apply

    We're a responsible lender so we urge you not to take out loans that you can't afford to repay.

    To apply you can either submit an online enquiry form or call Freedom Finance directly.

    • Fill in an enquiry form  online and we’ll forward it to Freedom Finance
    • Apply by phone with Freedom Finance on 0800 183 0513

Other loan options

If you’re looking for an unsecured personal loan, we’ve got loans to suit your needs. All loans are subject to status.

Personal loan

A simple way to borrow money

Premier Barclayloan

Exclusive loans for Barclays Premier customers

Business loan

Get a business loan of up to £25,000

Professional and Career Development Loan

Start to repay when your course ends. Loans up to £10,000

Want to speak to us?


Other ways to borrow

If you need a little extra cashflow now and again, there may be some alternatives to choose from.

Credit cards

From your first credit card to making everyday purchases or transferring a balance

Personal overdrafts

Short term way of borrowing, up to an arranged limit