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Use your home to secure the best loan deals

Home loans can be used for all kinds of things – re-mortgaging, doing up the house or just raising a bit of cash – and because they're secured on your house, you can expect very favourable terms from the big-name lenders. However, don't forget that your house is at risk if things go wrong.

For lenders, home loans are a safer bet than unsecured personal loans: the loans are secured against the customer's home, which makes the bank feel reassured that it'll actually get its money back. Of course, that means there's also a risk: if you default on your loan payments, you could end up being forced to sell your house.
That's the bad news, but the good news is that home loans generally have lower interest rates and longer repayment periods than other forms of loans. At the time of writing it's possible to get rates as low as 5.1% APR, and lenders offer repayment periods of up to 25 years. You can generally borrow more money than with a normal personal loan, too: for example, Easy Loans is willing to deal with applications for loans of up to £1 million.
Home loans are available for all kinds of things. You can remortgage to raise extra cash, borrow money to pay for home improvements such as double glazing or a new bathroom, or simply raise money to clear your debts and get rid of credit cards. helps you find the best loans companies for your specific needs, and gives you background information on the various types of loans available in our loans articles, more loans articles and still more loans articles.

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