Homeowner Guarantor Loans

UK Credit offers Homeowner Guarantor Loans of between £3,000 and £15,000 to Borrowers with a Guarantor who owns their own home and can afford the additional financial commitment.

A Borrower can be a homeowner, tenant or living at home with parents, providing they are supported by a Guarantor who is a homeowner.

Our Homeowner Guarantor Loans are repayable over terms of 36 – 60 months (3 – 5 years) and are offered at rates of between 24.9% – 39.9% APR, dependent on the loan amount.
We will check the affordability of the loan to both the Borrower and to the Guarantor as the Guarantor may be called upon to make the loan repayments if the Borrower does not. The Guarantor will need to have a fair to good credit rating of their own. You can use the calculator on this page to see how much the monthly and total overall repayments would be for any loan amount or term you may consider. You can click the ‘apply here’ button to access this.

What are the requirements for a Homeowner Guarantor loan?

Firstly and most importantly, the Borrower must have a Guarantor who is a homeowner either outright or through a mortgage. The Guarantor must have a fair to good credit history of their own and be between the ages of 25 at the time the loan pays out and 70 at the end of the loan term.
Find out more information on our eligibility criteria by visiting our Being a Guarantor page.

Loan Purpose

A UK Credit Homeowner Guarantor Loan can be used for a variety of loan purposes, including car finance, home improvements, debt consolidation and weddings, in fact, we lend for almost any purpose. If you’d like to know more, you can visit our FAQs page or if you’re ready to begin your application, simply click the ‘apply here’ button on this page.