Non-Homeowner Loans

  • Borrow from £1,000
  • Use for any purpose
  • Bad credit is OK
  • Social housing
  • Private rental
  • Living with others
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Loans for Non-Homeowners

Borrow from £1,000 to £25,000

A personal loan is a great form of credit for those who don’t own their home or don’t want to use their home as security for a loan. High street banks, building societies and even supermarkets offer personal (i.e. unsecured) loans but they very much favour those people who have perfect credit and/or have very traditional lifestyles.

Our panel of lenders is sufficiently diverse that we’re able to cater to people of very different backgrounds. It doesn’t matter whether you rent a room, are self-employed or indeed have some form of credit problem to deal with.


Personal Loans:

  • Apply for £1,000 to £25,000
  • Loans are unsecured
  • You don’t have to own your home
  • Self-employed welcome
  • Options for good & bad credit ratings
  • Fast & free enquiry service
  • Same deals as going direct

Get Your Quotes!

What is a Non-Homeowner Loan?

The majority of people aged under 40 do not own their home. This is why the availability of non-homeowner loans is really important. Without (unsecured) personal loans being available a large section of UK residents would be locked out of a significant part of the credit market.

Personal loans are just that – they are “personal to you” and depend on your personal circumstances. They do not depend on you owning any assets (e.g. home, car, jewellery) as they are unsecured. Lenders merely want to know that you have:

  • a reasonably good record of repaying your credit in the recent past (credit cards, overdrafts, other loans, etc)
  • a reliable income so that you can afford to repay the loan you want.

Personal loans are unsecured and so perfect for non-homeowners (tenants of all kinds including those living with family and those living with friends). With UK homeownership falling there’s never been a better time to get a non-homeowner loan. Key trends in house occupancy.

Who can use a non-homeowner personal loan?

A non-homeowner is anyone who does not own the property in which they live, and so could include those:

  • in private rented accommodation
  • renting social housing
  • living with family
  • living with friends

These days there are more privately owned properties for rent than there are from councils or housing associations. This reflects the boom in the investment of buy-to-let properties by people since the late 1990s.


Personal Loans Guide

If you’re uncertain which type of credit might suit you or you have a money problem then one of the guides may help you. We summarise each type of loan and its pros and cons and address issues regarding debt and credit ratings.


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For over a decade Solution Loans has helped people all over the UK find solutions to their personal finance problems.



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Our reputation is great. In fact we have scored 4.7 out of 5 based on 423 ratings & 61 user reviews for our personal loans service.


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Written/Reviewed by: Amanda Gillam

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