Homeowner Loans

Homeowner Loan Criteria

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• Age

  You must be at least 21 at the start of the loan term and under 71 at the time the loan ends.

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• Location

  You must have been a UK resident for at least the last two years.

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• Employment

  You’ll need to have monthly income after tax of at least £1,300 or £1,800 if you’re under 30 years of age to be eligible.

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• Homeownership

  Applicants must own a residential property in the UK. This includes shared ownership and buy to let properties, properties purchased using help to buy, as well as those owned outright. You must be named on the deeds of the property to be classed as a homeowner.

Who are Norwich Trust?

We are a trusted UK direct lender based in Norwich, Norfolk, who provide unsecured homeowner loans. We help homeowners across the UK access affordable finance without securing the loan against their property. Norwich Trust was incorporated in 2020 and we began lending under the Norwich Trust brand in 2024. As part of the Norfolk Capital Group, we benefit from more than 30 years of experience supporting people who may have been declined by high street lenders or have less-than-perfect credit. We are proud to have an Excellent Trustpilot rating, reflecting our commitment to outstanding customer service and positive customer experiences.

Whether you're looking to consolidate existing debts into one manageable monthly payment, fund a home improvement project, cover unexpected expenses, or achieve other financial goals, our experienced team is committed to finding a solution that works for your circumstances and we aim to get a decision to you within a working day.

At Norwich Trust, we believe borrowing should be straightforward, transparent, and focused on achieving positive customer outcomes. We take the time to understand your individual needs, providing clear guidance throughout the application process ensuring every loan is both responsible and affordable.

Our mission is to make unsecured homeowner loans accessible to those who need them most, helping customers across the UK move forward with confidence—even when traditional lenders have said no.