Access the equity in your home to fund your goals with competitive rates from 3.2% APR and flexible repayment options.
Discover the advantages of tapping into your home's equity with Integra Finance
Benefit from rates that are typically lower than unsecured loans or credit cards, as your home serves as collateral
Choose between a lump sum payment or a line of credit that allows you to draw funds as needed over time
Interest paid on home equity loans may be tax-deductible when used for qualifying home improvements (consult your tax advisor)
A straightforward process to access the equity you've built in your home
We evaluate your home's current market value and subtract your remaining mortgage balance to determine available equity.
Complete your application online or with our specialists, providing necessary documentation for quick approval.
A professional appraisal confirms your home's current market value, determining the maximum loan amount available.
Once approved, receive your funds as either a lump sum or access your line of credit as needed over time.
Explore our range of options to access your home's equity
A lump sum loan with fixed interest rates and stable monthly payments. Ideal for large, one-time expenses like home renovations or debt consolidation.
A flexible line of credit that allows you to borrow only what you need, when you need it. Perfect for ongoing expenses or projects with uncertain costs.
Smart ways to leverage your home's value
Fund renovations that can increase your home's value, such as kitchen remodels, bathroom upgrades, or adding living space
Combine high-interest debts into a single, lower-interest payment, potentially saving thousands in interest charges
Finance higher education for yourself or family members with potentially lower interest rates than traditional student loans
Cover substantial healthcare costs or unexpected medical emergencies with predictable repayment terms
Start or expand your small business with a potentially lower-cost financing option than commercial loans
Finance important occasions such as weddings, milestone anniversaries, or once-in-a-lifetime travel experiences
Transparent terms and competitive rates for accessing your home's equity
| Loan Feature | Home Equity Loan | Home Equity Line of Credit (HELOC) |
|---|---|---|
| Loan Amount | £10,000 - £250,000 | £10,000 - £250,000 |
| Interest Rate | From 3.2% APR (Fixed) | From 3.5% APR (Variable) |
| Loan Term | 5 - 25 years | 10-year draw period, 10-20 year repayment |
| Maximum LTV | Up to 85% of home value | Up to 85% of home value |
| Decision Time | Within 48 hours | Within 48 hours |
| Fees | Arrangement fee from £499, valuation fee varies | Annual fee £50, arrangement fee from £499 |
*Representative Example: £50,000 home equity loan at 3.2% APR over 15 years with monthly repayments of £350
Apply NowRequirements to qualify for a home equity loan with Integra Finance
You must have sufficient equity in your home, typically at least 15-20% after accounting for your existing mortgage balance.
Stable income with minimum 6 months in current employment or 2 years of self-employment records. Your debt-to-income ratio should generally be below 43%.
Good credit history preferred, with a minimum credit score of 620. We consider your overall financial situation, including payment history and existing debt levels.
Real experiences from our satisfied home equity customers
Kitchen Renovation
"We'd been dreaming of updating our outdated kitchen for years. The home equity loan from Integra Finance made it possible, with manageable monthly payments and a great fixed rate. The process was smooth, and now we have the kitchen we've always wanted—which has also increased our home's value!"
Debt Consolidation
"I was juggling multiple high-interest credit cards and personal loans, with minimum payments eating up my monthly budget. By using a home equity loan to consolidate everything, I cut my monthly payments by nearly £350 and will save over £18,000 in interest over the loan term. The financial breathing room has been life-changing."
HELOC for Education
"We opened a HELOC to help fund our two children's university education. The flexibility to draw only what we needed each term was perfect, and the interest rate was significantly lower than student loans. Integra's team was incredibly helpful in explaining how to maximize the benefits and minimize the costs."
Check your rate in minutes with no impact on your credit score.
Get answers to common questions about home equity loans
A home equity loan provides a one-time lump sum with fixed interest rates and predictable monthly payments. A home equity line of credit (HELOC) works more like a credit card, allowing you to borrow only what you need when you need it during the draw period, usually with a variable interest rate.
Most lenders allow you to borrow up to 85% of your home's value minus your outstanding mortgage balance. For example, if your home is worth £300,000 and you owe £150,000 on your mortgage, you could potentially borrow up to £105,000 (85% of £300,000 = £255,000, minus £150,000 = £105,000).
The primary risk is that your home serves as collateral, meaning if you fail to make payments, you could face foreclosure. Additionally, if your home's value decreases, you could end up owing more than your home is worth. It's important to have a solid repayment plan and avoid using home equity for non-essential expenses.
Interest paid on home equity loans may be tax-deductible if the funds are used to buy, build, or substantially improve the home that secures the loan. However, tax laws change frequently, so we recommend consulting with a tax professional for advice specific to your situation.
Our initial decision is typically provided within 48 hours. The entire process from application to funding usually takes 2-4 weeks, depending on property valuation scheduling and verification of your documentation. We pride ourselves on a streamlined process that's faster than many traditional lenders.
