Considering homeowner loans directly.
As a specialist mortgage lender, we can consider secured homeowner loan applications directly from members of the public.
Learn about secured homeowner loansAbout Arrow Loans
A UK direct lender for homeowners.
We are a specialist mortgage lender providing secured homeowner loans directly to the public. We also introduce customers to other financial services companies where appropriate.
Who we are
A lender and introducer for UK homeowners.
We are a regulated lender and introducer focused on secured lending for homeowners. We have helped people arrange secured loans and consumer credit since 1957.
We are authorised and regulated by the Financial Conduct Authority under firm reference number 717793. Arrow Loans is listed there as a current trading name and the firm has permission to enter into regulated mortgage contracts as lender, limited to second-charge mortgages. Our data-protection registration number is Z6439069.
Our approach is to treat customers fairly and put their interests at the centre of the process. That means considering each application individually rather than presenting secured borrowing as suitable for everyone.
How we may help
Two possible roles, made clear.
How your enquiry proceeds depends on your application and whether we can underwrite it directly.
Introducing another provider where appropriate.
When we cannot underwrite an application ourselves, we may act as a credit broker or introducer to another financial services company. We receive commission when acting as an introducer.
Ask us about the processThe lending we cover
Secured borrowing linked to your home.
A secured homeowner loan is borrowing secured against your property by a legal charge. It is separate from everyday unsecured credit and should be considered as a long-term financial commitment.
People may explore this type of borrowing for purposes such as home improvements, vehicle finance, a holiday or a wedding. The purpose alone does not determine whether a loan is suitable: affordability, the overall cost and your circumstances remain important.
What customers can expect
A process built around informed decisions.
A conversation about your circumstances
Your needs, the purpose of the borrowing and whether repayments appear affordable all matter when considering a secured loan.
Information about the route available
We may act as your lender, or as a credit broker or introducer when we cannot underwrite an application ourselves.
Time to review the commitment
Before proceeding, you should understand the rate, fees, total amount repayable, loan term and the consequences of missed payments.
Our principles
Fair treatment and responsible credit.
We are committed to treating customers fairly, both in spirit and through our regulatory responsibilities.
We believe credit should be regulated to protect the public, and we aim to operate as an ethical lender.
Understand the application processTake the next step
Start with the information you need.
Explore how secured homeowner loans work, or contact our team with a question about your options.