Secured Loans from Selina Finance
Borrow from £10,000 to £500,000 over 5-30 years. See how their flexible loans let you borrow as needed against home equity.
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Spotlight on Selina Finance
Selina Finance is a UK-based specialist lender focusing on secured homeowner loans. They offer clear, straightforward borrowing options mainly for debt consolidation and home improvements, targeting customers who want flexible terms and competitive rates secured by their property.
How much you can borrow
Selina Finance lets you to secure between £10,000 and £500,000 with flexible repayment terms. You can borrow up to 85% combined loan-to-value with Selina, including your mortgage and any other secured debt.
- Borrow £10k-£500k
- Choose repayment term between 5-30 years
- Up to 85 % combined loan-to-value (LTV)
Homeowner loans and HELOC
Selina offers two secured borrowing formats:
Homeowner loan
- One-off lump sum - ideal if you know exactly what you need
- Rates start at 5.94% fixed and 7.34% variable
- One-off product fee from £595 to 1,395, plus arrangement fee capped at £3,000
HELOC (home equity line of credit)
- Flexible, unlimited withdrawals for five years - only pay interest on amounts used
- Minimum variable rate of 7.74%, with a £1,395 product fee and arrangement capped at £3,000
- No early repayment charges - repay or redraw at any time
What you can use the money for
Selina Finance is available for various homeowner needs:
- Debt consolidation: Merge high-interest debts into a single loan with lower rates
- Home improvements: Fund renovations, extensions, or eco‑upgrades
- Buy-to-let: Use funds for investment property deposits or refurbishments
- School fees: Use flexible funding for personal needs via HELOC
Summing up
Selina Finance offers secure, flexible borrowing up to £500k. Choose a lump-sum homeowner loan with fixed rates and fees, or a HELOC with drawdown flexibility. Selina may work well for debt consolidation and property investments - but remember, your home could be at risk if you fall behind on repayments.
Frequently Asked Questions: Secured Loans
How does a HELOC loan work?
A HELOC (home equity line of credit) is a loan that lets homeowners borrow against their property. It works similarly to a credit card but generally with lower interest rates. Offered by Selina Finance as the first in the UK, HELOC sits alongside your mortgage and means you can draw, repay, and redraw funds over a flexible period.
How does a HELOC loan work?
A HELOC (home equity line of credit) is a loan that lets homeowners borrow against their property. It works similarly to a credit card but generally with lower interest rates. Offered by Selina Finance as the first in the UK, HELOC sits alongside your mortgage and means you can draw, repay, and redraw funds over a flexible period.
How does a HELOC loan work?
A HELOC (home equity line of credit) is a loan that lets homeowners borrow against their property. It works similarly to a credit card but generally with lower interest rates. Offered by Selina Finance as the first in the UK, HELOC sits alongside your mortgage and means you can draw, repay, and redraw funds over a flexible period.
Who qualifies for a Selina Finance secured loan?
Applicants must be on their property's title deeds. You'll need to be a permanent UK resident with at least three years of address history, earn a minimum of £22,500 (or £30,000 for joint applications), and have a good credit history. Each applicant should refer to their full terms and conditions and meet the credit criteria individually.
Who qualifies for a Selina Finance secured loan?
Applicants must be on their property's title deeds. You'll need to be a permanent UK resident with at least three years of address history, earn a minimum of £22,500 (or £30,000 for joint applications), and have a good credit history. Each applicant should refer to their full terms and conditions and meet the credit criteria individually.
Who qualifies for a Selina Finance secured loan?
Applicants must be on their property's title deeds. You'll need to be a permanent UK resident with at least three years of address history, earn a minimum of £22,500 (or £30,000 for joint applications), and have a good credit history. Each applicant should refer to their full terms and conditions and meet the credit criteria individually.
What are the property requirements?
Your property must be worth at least £100,000 and owned by you (and any co-applicant) for at least six months. It must fall within a maximum combined loan-to-value of 85%, meaning your mortgage and any other secured borrowing shouldn't be more than 85% of the property's value. For full criteria, speak directly with Selina Finance.
What are the property requirements?
Your property must be worth at least £100,000 and owned by you (and any co-applicant) for at least six months. It must fall within a maximum combined loan-to-value of 85%, meaning your mortgage and any other secured borrowing shouldn't be more than 85% of the property's value. For full criteria, speak directly with Selina Finance.
What are the property requirements?
Your property must be worth at least £100,000 and owned by you (and any co-applicant) for at least six months. It must fall within a maximum combined loan-to-value of 85%, meaning your mortgage and any other secured borrowing shouldn't be more than 85% of the property's value. For full criteria, speak directly with Selina Finance.
How does Selina value my property?
Selina typically values your property using a free, automated valuation model (AVM), which is based on a few simple questions. If the AVM can't produce a reliable estimate, you may need to arrange a paid RICS valuation instead.
How does Selina value my property?
Selina typically values your property using a free, automated valuation model (AVM), which is based on a few simple questions. If the AVM can't produce a reliable estimate, you may need to arrange a paid RICS valuation instead.
How does Selina value my property?
Selina typically values your property using a free, automated valuation model (AVM), which is based on a few simple questions. If the AVM can't produce a reliable estimate, you may need to arrange a paid RICS valuation instead.
Can I overpay or repay my Selina Finance loan early?
Yes. Selina Finance don't charge you for making early repayments on your HELOC. Whether you want to repay in part or in full, during or after the flexible period, you can do so at no extra costs. Some of their homeowner loan products carry early repayment charges with a 10% overpayment allowance.
Can I overpay or repay my Selina Finance loan early?
Yes. Selina Finance don't charge you for making early repayments on your HELOC. Whether you want to repay in part or in full, during or after the flexible period, you can do so at no extra costs. Some of their homeowner loan products carry early repayment charges with a 10% overpayment allowance.
Can I overpay or repay my Selina Finance loan early?
Yes. Selina Finance don't charge you for making early repayments on your HELOC. Whether you want to repay in part or in full, during or after the flexible period, you can do so at no extra costs. Some of their homeowner loan products carry early repayment charges with a 10% overpayment allowance.
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