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We offer home owner loans ranging from £1,000 to £15,000, and you can repay it over one to ten years. Home > Unsecured Homeowner Loans
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Fair Processing Notice

Who we are:

Evolution Money Ltd, Progressive Money Ltd and Evolution Lending Ltd are all wholly owned subsidiaries of Darwin Loan Solutions ('the Group').

We take your privacy seriously and will only use your personal information to

A) Discuss loan offers and provide you with the products and services you have requested.
B) If you take out a loan with us and become our customer, it will also be used to manage your loan.

We'll keep your details for up to 12 months to enable us to help you with your loan application. If you don't take out a loan with us, we will delete your enquiry details unless regulations say we must keep them for longer.

This won't change any marketing preferences you've already chosen.

How we control and process your data:

Our companies hold and process your personal data in accordance with Data Protection law in the UK. We are committed to maintaining the privacy and protection of all personal data collected in connection with our broker and loan services. We may share your information with credit reference agencies and other companies for use in credit decisions, for fraud prevention and for debt collection purposes.


Marketing Contact preferences - putting you in control:

We would love to tell you from time to time about offers and special deals on loans, insurance products and utility services which may save you money.

If you're happy to be contacted about these, please click the boxes to tell us how you want us to get in touch with you.

You can change how we contact you at any time by simply getting in touch with us on FPNandmarketing@darwinloansolutions.co.uk or 0161 814 9210.

Your choices do not affect your enquiry/loan application in any way.


Marketing Contact preferences - Our partners:

We would love to tell you from time to time about special offers and deals from our carefully selected partners.

If you're happy to be contacted by them please click the boxes to tell us how our partners can get in touch with you.

You can change how we contact you at any time by simply getting in touch with us on FPNandmarketing@darwinloansolutions.co.uk or 0161 814 9210.

Your choices do not affect your enquiry/loan application in any way.


Please read the full details of our Fair Processing Notice including Credit Reference Agency Information Notice (CRAIN) Click here to see a copy of the CRAIN.

If you agree to our Fair Processing Notice and want to continue to the next stage - click Agree.


Home Owner Loans

How do home owner loans work?

Home owner loans are based on the value of your property, and the amount of equity you have available (equity refers to the proportion of your home that you own outright, without a mortgage). When considering a homeowner loan, you need to take into account the loan amount and repayment terms. It’s also important you check the Terms and Conditions, to see if they are suitable for your circumstances.

What is a home owner loan?

By definition, a home owner loan is secured against an owned or mortgaged property, so being a home owner is essential when it comes to taking out a home owner loan.

A home owner loan may allow you to borrow more than perhaps an unsecured personal loan. It can then be paid back over a period of time to suit your circumstances. This makes it a suitable loan option if you plan to spread cost with affordable monthly payments. However, please be aware if you are unable to pay back the loan the lender may have a right to repossess your property.

At Progressive Money we are a direct lender and have a different approach to most other lenders. We take the time to understand your situation to find the very best borrowing solution for you, without needing to secure the money against your home. We just require you to be a home owner and living in your property.

What can I use as security?

Home owner loans typically use your property as a form of security. It is not restricted to houses only, almost any type of residential property can be used, including bungalows, cottages, flats and apartments.

Are unsecured homeowner loans easy to obtain?

We might be able to help, as long as you are:

  • A home owner (you either pay a mortgage or own a property outright)
  • Aged between 18 and 70*
  • Either employed or self-employed
  • Live in England, Scotland or Wales
  • Able to afford monthly repayments

As well as your credit rating we take your personal circumstances into account in order to work out a payment plan to suit your income and situation. Our qualified team of advisors are happy to discuss any queries you may have about the application process.

How much can I borrow?

Progressive Money offer unsecured home owner loans ranging from £1,000 to £15,000 with repayment terms from 18 months to 10 years. Whether you are hoping to make some home improvements, consolidate your debts, pay for a wedding or treat yourself to a new vehicle, we may be able to help cover the cost and arrange an affordable repayment plan to suit you. As a responsible lender, we ensure that all the loans are affordable.

Use our unsecured home owner loan calculator for a no obligation quote to see how much you could potentially borrow.

Typically, a home owner loan would require you to secure against your property’s value. The amount you can borrow will depend your balance of equity, the amount left after the outstanding balance of your mortgage is subtracted from the current value of the property.

Unlike most other lenders, Progressive Money is a direct lender and only ask that you are a homeowner living in your property and can prove your eligibility for one of our loans. We may be able to offer an unsecured home owner loan, so it may not be necessary to secure against your home.

Paying back your homeowner loan

Most home owner loans are paid back in monthly instalments, often through Direct Debit. You are able to repay the loan early, however, please be aware that on settlement you will pay interest up to the date, plus one month extra.

Speak to our qualified advisors on 0161 814 9383 to discuss your loan which may be suitable for you.

We always take the time to fully understand the needs and circumstances of every customer.
We are an award-winning lender and appeared in the FastTrack 100 in 2016 and 2017.
Our application process is simple to make sure your loan application is not a confusing process.
What our customers say...
4-5/5of customers are happy with our service
"Fantastic, quick service and excellent customer service. Would recommend totally."29/01/2019
"Very helpful on the phone, didn't get passed through to all different departments."25/01/2019
"Very effective and straightforward."24/01/2019

Debt Consolidation Loans

If you’re struggling to keep up with payments on a number of debts, a debt consolidation loan lets you borrow money to merge them into a single monthly repayment. It helps reduce the number of monthly outgoings and means you can get a better handle on your finances.

Read more

Home Improvement Loans

A home improvement loan is a type of personal loan that’s used to cover the cost of the labour, materials and tools you need to make additions or renovations to your house. Buying a house is one of the biggest investments we’ll ever make, so it makes sense to try to raise its value wherever and whenever we can.

Read more
I want to borrow £

You will receive a call today to continue with your application.

Don't leave just yet!

Progressive Money is an Award Winning UK finance company with thousands of happy customers!

Award Winning

Our friendly loan advisors can let you know if you're eligible for a loan without affecting your credit score. Why not give us a call today!

0161 814 9283

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