Business Details
50+ Years
experience
Secured Loans for UK Homeowners
Established in 1957, Arrow Loans has built a reputation as a trusted direct lender specialising in secured homeowner loans across the UK. Our expertise lies in providing tailored financial solutions for homeowners seeking competitive rates on home improvement, vehicle, holiday, and wedding loans. With over six decades of experience, we prioritise transparency, offering no upfront fees and a streamlined application process that evaluates each case on its merits rather than solely credit scores.Our team of UK-based professionals works directly with clients to ensure fast approvals and flexible repayment terms up to 30 years. As an FCA-authorised lender, we maintain strict compliance with data protection regulations while delivering personalised support that prioritises customer needs. Our commitment to ethical lending practices and debt consolidation solutions has helped thousands of homeowners access funds secured against their property equity.
Services
Homeowner Loans
Home Improvement Loans
Vehicle Loans
Holiday Loans
Wedding Day Loans
Debt Consolidation Loans
Details
- Year established: 1957
Highlights and features
- Direct lending with no broker fees since 1957
- Flexible terms up to 30 years for homeowner loans
- FCA-authorised with transparent fee structures
- Personalised assessments beyond credit score criteria
- Competitive rates for home improvements and debt consolidation
Associations and certifications
- Financial Conduct Authority
Services
Homeowner Loans
Secured homeowner loans use property equity as collateral for larger borrowing amounts. Ideal for substantial projects or debt consolidation, these second-charge mortgages offer competitive rates with terms up to 30 years. Lenders prioritise repayment capacity over credit history, making them accessible for homeowners with varied financial backgrounds.
Home Improvement Loans
Specialised financing for property upgrades, these secured loans enable homeowners to fund extensions, kitchen renovations, or energy-efficient improvements. Borrow up to 90% of property value with flexible repayment terms. Funds typically disbursed within weeks to start transforming living spaces while potentially increasing home value.
Vehicle Loans
Secured vehicle loans provide funding for car purchases through property equity. Available for both new and used vehicles, these loans offer lower interest rates than unsecured alternatives. Borrowers maintain ownership rights while accessing competitive APR rates with repayment periods up to 15 years.
Holiday Loans
Flexible secured loans for holiday expenses allow homeowners to fund dream vacations with competitive rates. Borrowers can access funds for flights, accommodation, and activities through property equity. Repayment terms up to 30 years ensure manageable monthly payments while enjoying travel experiences.
Wedding Day Loans
Specialised secured loans for wedding expenses cover venue hire, catering, and attire costs. Homeowners can borrow up to 250,000 with transparent fee structures. Flexible repayment options accommodate varying budgets while maintaining FCA-regulated lending standards.
Questions
What types of secured loans do you offer?
We provide homeowner loans for home improvements, vehicle purchases, holidays, weddings, and debt consolidation with borrowing amounts from £10,000 to £1.5m.
How does a secured homeowner loan work?
These second-charge mortgages use property equity as collateral, offering lower interest rates and longer terms than unsecured loans while maintaining FCA regulatory protections.
Can I apply with poor credit history?
Yes, we evaluate applications based on individual circumstances rather than credit scores alone, making loans accessible for homeowners with varied financial backgrounds.
Are there any upfront fees?
No fees are payable before loan issuance. An arrangement fee up to £495 may be added to the loan amount upon approval to cover legal and valuation costs.
Can I repay early without penalties?
Yes, our FCA-regulated loans allow early settlement, overpayments, and lump sum payments to reduce total interest costs without penalty charges.
