Which lenders offer HELOC-style products in the UK?
UK products described as HELOCs are limited and may be marketed using different terms. Selina Finance is named here as a major HELOC-style lender on the Loans Warehouse panel, with an FCA Register link, a source and a checked date. A listing is not a TSMC panel and does not mean the product is available, suitable, or accessible through this site.
The Second Mortgage Company is a trading style of COLOFS.co.uk LTD, is an Introducer Appointed Representative (FCA number 982062) of Loans Warehouse whose office address is 1a, Blackmoor Lane, Watford WD18 8YW, who provides mortgage products and services.
ImportantAs a mortgage is secured against your home, your home could be repossessed if you do not keep up the mortgage repayments. Think carefully before securing other debts against your home.
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This is an example of a major HELOC-style lender on the Loans Warehouse panel, not a TSMC panel and not an exhaustive UK market list. Second charge lenders are listed separately on second charge mortgage lenders.
Are UK HELOC lenders the same as second charge mortgage lenders?
A HELOC is generally a revolving credit line, while a second charge mortgage normally provides one lump sum secured behind an existing mortgage. Both can put a home at risk if repayments are missed. UK product availability and exact terms differ, so the comparison is about structure rather than a personalised recommendation.
Some firms may offer both types of product, while others specialise in one. Overlap between the two categories cannot be assumed without checking each provider directly. See HELOC vs second charge mortgage for the structural comparison.
How can you check a HELOC provider?
Start with the Financial Conduct Authority's Financial Services Register to confirm a firm is authorised, then open the provider's own product page and read the terms in full. Note the date checked, and ask directly about the rate basis, redraw rules and fees before treating any description as current.
A simple process:
- Search the FCA Financial Services Register for the firm's name.
- Open the provider's own current product page.
- Read the terms, including rate basis and fees.
- Record the date the information was checked.
- Ask the provider directly about anything unclear, including redraw rules.
What should you check on a HELOC provider page?
When comparing providers, check the rate or APR basis, how the facility works, what security is taken, applicable fees and when the information was last confirmed. Those details matter more than a general market description, and they need checking against the provider’s own documents.
If a detail is missing from the table, treat it as unknown until the provider confirms it directly.
Why might a provider not appear on this list?
A provider may be missing because no current primary source evidence was located, the product is not genuinely revolving, the provider has withdrawn the product from the market, the page scope does not fit, or verification work is simply incomplete at the time of review. None of these reasons is a criticism of the firm.
This page does not promise that any named firm will offer borrowing to a particular applicant.
Start an enquiry if you want to discuss options directly, understanding that a listing here would not itself guarantee that any named provider is available to you.
Sources
- Financial Services Register (Financial Conduct Authority)
- Selina Finance about us (Selina Finance)
Frequently asked questions
Who offers a HELOC in the UK?
Selina Finance is named here as a major HELOC-style lender on the Loans Warehouse panel, with an FCA Register link, a source and a checked date. UK HELOC-style products remain limited. A listing is not a recommendation, and it does not mean the product is available, suitable or accessible to every applicant.
Are all home equity loans HELOCs?
No. Home equity loan is a general phrase that can describe several different structures. A HELOC specifically means a revolving facility that can be drawn, repaid and redrawn. A second charge mortgage or a further advance, by contrast, usually pays out as a single lump sum rather than a revolving line.
How can I verify a HELOC lender?
Check the provider on the Financial Conduct Authority's Financial Services Register, read its current product page in full, and note the date you checked. Confirming a firm's authorisation and reading its own terms directly is more reliable than relying on a general description of the market.
Why is a provider not listed?
A provider may be absent because no current primary source evidence was found, its product is not a revolving facility, it has withdrawn from the market, or verification is simply incomplete. Absence from this list is not a statement about a firm's reliability, only about the evidence available at the time of review.
Does a listing mean the lender is available to me?
No. A listing only reflects that evidence for a product existed at the date checked. Availability, eligibility and terms depend on an individual assessment by the relevant provider, and appearing on this page is not a guarantee, recommendation or indication that borrowing will be offered to any particular applicant.