Homeowner Loan

• Borrow between £10,000 – £25,000, subject to affordability
• Competitive interest rate of 7.9% fixed APR
• Save as you borrow, so you’ll have a lump sum when you’ve repaid your loan
• Easy to apply, with options for everyone – apply online, apply on our Nivo App on your mobile, or complete a paper form if preferred, although this takes a bit longer!
• Apply to Top Up when repaid 20% of your Homeowner Loan.

Please Note: If applying to Top Up, please apply for the amount you are topping up by, when completing the application. If approved, this amount will be the extra amount you receive.

• No application fees or hidden charges
• No penalties for early repayments, so repay early & you’ll save interest
• Affordable loan repayments through payroll deduction, or alternatively by direct debit
• After repaying 20% of their first Homeowner Loan, members can apply to top up the loan.
• Convenient weekly, 2-weekly, 4-weekly or monthly repayment, tailored to suit your budget
• Save as you borrow, so you’ll have a lump sum when you’ve repaid your loan
• Savings continue to attract dividend payments* whilst repaying your loan

*Dividends are not guaranteed. The rate payable is dependent on financial performance and voted on by members at the Annual General Meeting.

• You must save a minimum of £2/week or £10/month as you borrow, so you’ll have a lump sum saved when you’ve repaid your loan. This minimum saving amount will be held in your ‘Membership Account’ and cannot be withdrawn until your loan is cleared.
• After repaying 20% of their first Homeowner Loan, members can apply to top up the loan
• Members may only hold 1 Voyager Alliance loan at any time
• The Homeowner Loan is only available to members who own their own home (either currently have a mortgage or have finished their mortgage period and payments).
• The Homeowner Loan is not available to members who are bankrupt or have an Individual Voluntary Arrangement (IVA) that shows on their credit report.
• Other terms and conditions may apply.

1. Don’t worry if you don’t qualify for our Homeowner Loan, we’ve got options for everyone! View our loans page, for more information.
2. No savings with Voyager Alliance? No problem! Borrow up to £10,000 with our Personal loan at competitive interest rates from 19.9% APR, that’s cheaper than most credit cards.
3. Savings with Voyager Alliance? Then take advantage of our Advantage loan which rewards saving. Borrow up to 5 times your Voyager Alliance savings balance at extremely competitive rates from just 5.9% APR, or enjoy our lowest ever rate of just 2.9% APR, with our Savings Secured loan.
4. Looking to manage your debts and reduce monthly outgoings? Tidy up your finances by consolidating outstanding borrowing into 1 manageable repayment with our Swap & Save loan.
5. Use our handy online loan calculator to see what repayments suit your budget. It’s a good idea to make a note of the loan name, amount, and repayment term before starting the online application form.
6. If you already have a loan with us, you can apply to Top Up once you’ve repaid 20% of the original loan value.
7. When a loan requires a level of savings we usually only take into account savings built up in your Voyager Alliance accounts. However, we will consider lump sums paid into your Voyager Alliance account from other sources, if you are able to provide evidence that the lump sum has come from other savings.