Evolution Money offers secured loans, also known as “homeowner loans” or “second-charge mortgages”, to UK homeowners. Just like your first-charge mortgage, its loans use your home as security.
Unlocking the equity in your home can help you to access better rates or simply provide lenders with the extra reassurance they need to say “yes” to your application. But because the loans available will be secured against your home, it’s crucial to think carefully before proceeding.
While many secured loan lenders automate their decisions on your credit score and the amount of equity in your home, Evolution Money says it will consider more than just your credit history and will take into account your unique circumstances. In fact, it specialises in offering secured loans to customers who have experienced financial difficulties in the past.
You should only apply for an Evolution Money secured loan if you’re certain you can meet the repayment terms. You must also meet the following criteria:
| Loan amounts | From £5,000 to £100,000 |
|---|---|
| Age | From 18 to 70 years |
| Term | From 3 to 20 years |
| Maximum LTV | Up to 95% |
| Representative APRC | Up to 22.9% |
| Lender fee | from £299 |
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