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Non homeowner personal loans

Loans for non homeowners - unsecured loans up to £25k

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Non Homeowners

  • Borrow £1000 to £25,000
  • Loans unsecured
  • No need to own your home
  • Poor credit ratings OK
  • No fees

Non-Homeowner Loans

Find Your Loan Options:

  • Fast, FREE enquiry service
  • Borrow £1,000 to £25,000 unsecured
  • Wide lender panel
  • Good & Bad credit options
  • No Guarantor required
  • Same deals as direct

All loans subject to affordability

It's become really important that personal loans for non homeowners are available because the majority of people aged under 40 do not own their home. Otherwise a large section of UK residents will be locked out of the credit market.

We have developed an extensive panel of lenders who offer loans to the fast-growing proportion of the UK population who either rent their home or live with family or friends. One simple application will tell you which lenders can help in principle.

No need to own your home to get a personal loan!

If you are looking for a personal loan but don't own your home then no big deal! Personal loans are just that - they depend on your personal circumstances and are not dependent on you owning any assets (e.g. home, car, jewellery). The lender merely wants to know:

  • that you have a good record of paying your credit off in the past (credit cards, overdrafts, other loans, etc)
  • that you have a reliable income so that you can afford to repay the loan you want.

Personal loans are unsecured and so perfect for non-homeowners (tenants of all kinds, those living with family and those living with friends). With UK homeownership falling there's never been a better time to get a non-homeowner loan. Key trends in house occupancy.

About Personal Loans

We'll find you the loan you need

Our no fee broker service means that we'll do all the hard work to find you the loan you want. Through our trusted partner we have access to a wide range of lenders who you won't find on the high street. We're sure to be able to find you some loan options even if you've had financial problems in the past. You'll get the same deals as going direct - but with less effort.

Non-Homeowner Loans: Things to Consider

  • Borrow only what you need - this helps to keep total costs down
  • Repay as quickly as possible - this helps to minimise interest charges
  • Make sure you can afford the repayments
  • Be aware of rate bands - borrowing slightly more may reduce total costs
  • Pay off loan early if you can - again, this helps to minimise total costs
  • Keep tabs on your credit file & know your credit score

Have you had financial problems?

If you have damaged your credit score because bills weren't paid or repayments weren't met then don't lose hope. If you have a regular income from employment then there are loans that you can get. Just take care not to overextend yourself and make sure you make the repayments. In fact successfully making repayments will gradually repair your credit status.

Our broker service can help you. Also, you could consider a guarantor loan - an unsecured loan backed by a family member or someone you know well (your guarantor can be a non homeowner too). You can find out more about these loans elsewhere on this website.

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Facts about Non-Homeowners in the UK

  • Non-homeownership is at its highest level since the late 1980s
  • Average age of first time buyers is now 35
  • Most families raising children do not own their home
  • The number of people in private rented accommodation has doubled to 4 million since early 2000s
  • More people now live in private rented property than social housing

But the good news is that lenders have acted to ensure that non-homeowner personal loans are available - credit should not depend on property ownership.

All About Personal Loans

Representative Example

Loan Amount


Monthly Repayment


Loan Term

48 mnths

Total Repayment


Representative APR


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