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🏠 Mortgage

Home Equity
Line of Credit

Unlock the equity tied up in your home. A HELOC gives you a flexible revolving credit line secured against your property — draw what you need, when you need it, and only pay interest on what you use.

Secured on your home Up to 85% LTV Revolving credit facility Interest only on drawdowns Competitive rates

🏠 HELOC Enquiry

Free consultation — no obligation

🔒 Your home may be at risk if you do not keep up repayments · FCA Regulated

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Secured on property
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Revolving facility
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Up to 85% LTV
FCA regulated

How much equity can you access?

Enter your home value, outstanding mortgage balance, and desired term to estimate your available credit line and monthly repayments.

Access your home equity

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Equity assessment

We assess your home value and outstanding mortgage to determine how much equity is available to you — typically up to 85% of your property value.

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Revolving credit line

Once approved, draw funds as you need them up to your credit limit. Repay and redraw — your available credit replenishes as you pay it back.

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Interest on drawdowns only

You only pay interest on the amount you actually draw down — not the full credit line. If you don't use it, you don't pay for it.

HELOC questions answered

A Home Equity Line of Credit (HELOC) is a revolving credit facility secured against the equity in your home. It allows you to borrow up to a set limit, repay it, and borrow again — similar to a credit card but secured on your property and at much lower interest rates.
This depends on your home value and outstanding mortgage. Most lenders will allow you to borrow up to 80–85% of your property's value minus your outstanding mortgage balance. Use our calculator above to estimate your available credit.
Yes — a HELOC is secured against your property. If you fail to keep up repayments, your home may be repossessed. We strongly recommend seeking independent financial advice before proceeding.
HELOCs are commonly used for home improvements, debt consolidation, education costs, business investment, or as an emergency fund. The funds can typically be used for any legal purpose.

Your home is working.
Make it work harder.

Calculate your available equity and speak with a specialist today. No obligation, no credit impact.

Calculate My Equity →