Unsecured Personal Loans for Homeowners

Borrow £3,000 - £25,000 with no risk to your home. Simple, transparent decisions for UK homeowners.

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  • Direct lender
  • Loans not secured against your home
  • Authorised and regulated by the FCA

Loan Calculator

£14,000
Min: £3,000Max: £25,000
60 months
36 months120 months
Monthly repayment £0.00
Fixed APR 0.0% APR
Total repayable £0.00

Total includes lender fee

Representative example. Subject to status.

Checking eligibility has no impact on your credit file

Already a customer? Check your eligibility for additional funds.

3 steps to applying for an Unsecured Personal Loan

1

Apply

Complete the online application and provide digital bank statements via Experian's Affordability Passport.

2

Review

Our underwriters will review your application, usually within a working day.

3

Receive Funds

If your application is approved, funds will be released within a working day.

Check my Eligibility

Unsecured Personal Loan Criteria

See If You Qualify
  • Aged 21-70 (under 71 at the end of the loan term).
  • You must have been a UK resident for at least the last 2 years.
  • You'll need a monthly income after tax of at least £1,300 (or £1,800 if you're under 30 years of age).
  • Be the homeowner of a residential property in the UK.

Unsecured Homeowner Loan Uses

We offer loans for various purposes including...

Wedding Costs

Spread the cost of your big day with a wedding loan from Norwich Trust, without needing to use your property as security.

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See why we are trusted by homeowners across the UK

Norwich Trust makes borrowing clear, straightforward, and secure. Read reviews from our actual verified clients.

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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.

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.

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.

Any Questions?

Will applying for a loan affect my credit score?

We do a soft credit search when we check your eligibility which won't affect your credit score and won't appear if other firms do a credit search. If your loan is approved the search will become a "hard search" at which point it will appear on your credit file and may affect your credit score.

Is Norwich Trust a Broker?

Norwich Trust is a UK-based direct lender specialising in loans for homeowners. If we are unable to offer you a loan, we may provide you with the option to be referred to one of our trusted lending partners who may be able to assist. Any referral is entirely optional, and we will only share your information with a partner if you have given your consent.

Do you charge fees for a homeowner loan?

Norwich Trust charges a £299 fee but there are no upfront costs for making an application. The fee is added to the loan amount and is included in the monthly repayments.

I own a property but don't have a mortgage. Can I still apply?

Yes. Whether you own your home outright or have a mortgage, as long as you are named on the deeds to a UK property, you can apply for a Norwich Trust loan.

How do I know what rate I will get?

Norwich Trust's rates are based on the loan and term you apply for, rather than your credit score. This means that the rate you're quoted is what you get.

Check my Eligibility

Still have questions? Our UK-based support team is here to help.

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