Holiday borrowing for homeowners
A once-in-a-lifetime journey can carry a substantial cost. Before borrowing, compare the brief experience with the full repayment term—and understand exactly what would be at risk.
An enquiry does not guarantee approval or any particular terms.
Important information
A homeowner loan is secured on the property, not on the booking or travel. A longer term can reduce the monthly payment while increasing the interest paid overall.
Your home may be repossessed if you do not keep up repayments on a loan secured against it.Build the complete budget
Your holiday budget may need to cover flights, accommodation, transport, activities and travel insurance. Add the practical extras and a reserve before deciding what the trip actually costs.
Travel & stayFlights or other transport, accommodation, transfers and deposits.
Insurance & documentsAppropriate travel cover, passports, visas and health requirements where relevant.
Daily spendingFood, local transport, activities, tips, data and exchange or card charges.
Unexpected costsDisruption, medical excesses, replacement travel or other unplanned spending.
SecurityA legal charge on the home
PurposeTravel and holiday costs
CommitmentA separate loan payment
Our homeowner loan route
This is a secured homeowner or second-charge loan. Property equity can be relevant, but it does not replace credit and affordability checks or guarantee an outcome.
Affordability and resilience
A lender will assess the application, but your own test should include the bills and changes that could arise throughout the repayment term.
Mortgage, utilities, food, transport and other priority costs should not depend on using further credit.
Avoid using all available savings for the holiday if it would leave no room for repairs, income changes or other unexpected costs.
Credit history and current commitments may inform an assessment. Ask what kind of credit search will be used before consenting.
Review the rate, APR or APRC, fees, term, monthly payment, total repayable and early-settlement conditions.
A useful reality check
Ask 01Could the trip be scaled back or saved for without borrowing?
Ask 02Would the repayments restrict future plans or necessary spending?
Ask 03Is using the home as security proportionate to the experience being funded?
Before an enquiry
Our team will review your enquiry once the relevant information is available. Terms and availability depend on the individual assessment.
Trip budgetTotal planned cost, what is already saved and the amount still needed.
Household budgetIncome, normal spending, existing credit and upcoming changes.
Property positionEstimated value and details of mortgages or other secured borrowing.
Evidence if requestedWe may ask for identity, income and bank-statement documents.
Questions before booking
These answers explain general features only. An offered agreement will contain the terms that apply to the individual borrowing.
It is a homeowner loan used toward travel costs and secured against your property by a legal charge. It is usually a separate second-charge loan where an existing mortgage is already in place.
No. A holiday is short-lived while a secured commitment may continue for years. Savings, changing the trip or unsecured borrowing may be more proportionate depending on the amount, timing and household circumstances.
Include travel, accommodation, transfers, insurance, food, activities, local transport, documents, exchange-rate or payment-card costs and a reserve for unexpected spending or disruption.
No. Home ownership and equity do not guarantee approval. Any application is subject to assessment, including affordability, credit information, the property and the applicant’s circumstances.
A considered next step
Share the purpose, cost and household position. Our team will review your enquiry and respond when the relevant information is available.
