The home owner loans table below is split into ‘Good’, ‘Fair’ and ‘Poor’ credit profiles and you should use the credit rating which closest relates to your credit history. Remember that many people have a much better credit profile than they think, but don't worry, if you're not sure we will offer the best plan that we can for your individual circumstances, in any case.

Please hover over the coloured boxes below to help establish your credit ratings.

Lender Plan Rate Typical APR Product Details 11.24% APR Typical 11.7% APR 11.24% APR Typical 11.7% APR Loan Amount Range (£) 10,000 - 100,000 Loan Type Variable Maximum Loan To Value 75% Minimum Property Value 80,000 Plan rate based on 26,000 over 120 months 75% LTV typical broker fee 8% Total (only if loan runs full term) 120 x £353.70 Total amount payable £42,444.00 Term (months) 60 - 300 Minimum Age 21 Loan must complete by age 75 Self employed with Accounts? Yes Self Cert for Self Employed? No Parent company Principality Building Society ' 13.83% APR Typical 15.9% APR 13.83% APR Typical 15.9% APR Loan Amount Range (£) 5,000 - 100,000 Loan Type Fixed for Term Maximum Loan To Value 80% Minimum Property Value 60,000 Plan rate based on 26,000 over 120 months 50% LTV typical broker fee 8% Total (only if loan runs full term) 120 x £388.58 Total amount payable £46,629.60 Term (months) 36 - 360 Minimum Age 18 Loan must complete by age n/a Self employed with Accounts? Yes Self Cert for Self Employed? Yes Parent company Ocean Finance and Mortgages Ltd. ' 13.93% APR Typical 15.0% APR 13.93% APR Typical 15.0% APR Loan Amount Range (£) 10,000 - 75,000 Loan Type Variable Maximum Loan To Value 60% Minimum Property Value 100,000 Plan rate based on 26,000 over 120 months 60% LTV typical broker fee 8% Total (only if loan runs full term) 120 x £389.99 Total amount payable £46,798.80 Term (months) 60 - 300 Minimum Age 18 Loan must complete by age 70 Self employed with Accounts? Yes Self Cert for Self Employed? No Parent company GE Money Home Lending ' 15.73% APR Typical 18.7% APR 15.73% APR Typical 18.7% APR Loan Amount Range (£) 5,000 - 100,000 Loan Type Variable Maximum Loan To Value 80% Minimum Property Value 75,000 Plan rate based on 26,000 over 120 months 70% LTV typical broker fee 8% Total (only if loan runs full term) 120 x £414.73 Total amount payable £49,767.60 Term (months) 36 - 360 Minimum Age 18 Loan must complete by age n/a Self employed with Accounts? Yes Self Cert for Self Employed? Yes Parent company Blemain Group ' 17.61% APR Typical 16.9% APR 17.61% APR Typical 16.9% APR Loan Amount Range (£) 1,000 - 25,000 Loan Type Variable Maximum Loan To Value 70% Minimum Property Value 50,000 Plan rate based on 25,000 over 120 months 60% LTV typical broker fee 8% Total (only if loan runs full term) 120 x £423.94 Total amount payable £50,872.80 Term (months) 12 - 180 Minimum Age 18 Loan must complete by age n/a Self employed with Accounts? Yes Self Cert for Self Employed? Yes Parent company Norton Finance (UK) Ltd. '

OUR TYPICAL, VARIABLE RATE IS 17.9% APR. RATES RANGE FROM 11.9% to 29.9% APR THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Loans Secured On Your Home

If you need to extend and improve your home, Wise Buy could help you find a home owner loan that suits your individual circumstances. Borrowing money to for home improvements could help you to add value to your home. It's important, however, to get good advice before committing to any renovation project, so speak to your local estate agent - find out what people are looking for in a home in your area and what they are willing to pay.

Convert the loft

A professional loft conversions could produce a great return on your investment. Not all homes are suitable for a loft conversion, but it could be a good way to add an extra bedroom and possibly an en-suite bathroom without losing ground space. It does entail major building work, so it's best to get expert help.

Add an extra bedroom

Adding an extra bedroom could increase the value of your home. You need to consider the dimensions and proportions of your home as well as thinking about your potential market. Adding an extra room may make your home more attractive to families but the size of the bedroom will make a difference

Double Glazing

Installing new windows could help modernise your house as well as helping to insulate you home that could help reduce your electric or gas bill.

Open plan

Open plan living arrangements create a sense of space and light. It's not good to get too carried away however, there are some things that are best tucked away behind a closed door - a noisy washing machine, for example. You'll need professional advice before engaging in a project like this, taking down walls is a major undertaking.

Central heating

Not a glamorous job but a popular way of adding value. Consider adding a new high-efficiency boiler - although they cost more than conventional boilers by about £100-£200, they could reduce heating bills and make your home more eco-friendly.

New bathroom

A bathroom quickly looks outdated and renovating it is one of the quickest ways to update your home. It could cost thousands of pounds to do a major refit, however it could be possible to freshen up the look with new bathroom accessories that could be a lot cheaper.

New kitchen

This is the kind of project where it's not a good idea to cut corners - get advice from a reliable source and invest in good quality fittings. The kitchen is the heart of the home and is a feature that plays a vital role in the successful sale of a house.

Conservatory

A good conservatory can possibly reduce your heating bill, can add kerb appeal and could make a huge difference to your quality of life. If your property has the space for it and if it is constructed properly, a conservatory can extend your summer living well into the winter months.