Smart Financing
for Homeowners

Unlock your housing wealth to fund your dream project.
Rates from 4.45%. Loans from £25,000 to £1,000,000.
Say goodbye to personal loans and credit cards. Hello to Scroll.

Loans with a purpose - Bringing your dreams to life!

Buy a new property...
Renovate your home...
Pay-off university tuition fees...
Cut expensive credit card debt...

Introducing Scroll

Scroll is a next-generation, cloud-native, FinTech that has been built from the ground up specifically for homeowners and landlords. Scroll enables them to unlock their home or property equity for essential needs such as home improvement, property investment, debt consolidation, and elderly care costs.

Scroll offers smarter financial solutions at competitive prices and its modern technology delivers a seamless, exceptional customer experience.

Scroll is not authorised or regulated by the Financial Conduct Authority and does not offer or provide any products which are regulated by the Financial Conduct Authority.

Why Scroll?

smart-icon

Smart

Digital. Bespoke. Suitable
simple-icon

Simple

100% Online. Paperless
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Fast

Get cash in 5 days

Products

Later this year, Scroll will launch its first two products - exclusively for buy-to-let (BTL) landlords - Scroll Home and Scroll Line. If you own a rental property and already have a mortgage on it, consider Scroll. We could lend you up to £1,000,000 in the fastest, most flexible, and cost-effective manner.

Scroll Home

Home Equity Loan

  • Fixed-sum advance
  • Repayment over up to 25 years
  • Fixed or variable rates, from 4.45% per annum
HEL

Scroll Line

Home Equity Line
of Credit

  • Flexible drawdowns when you need them for the first 12 months
  • Pay interest only on the drawn amount
  • Variable-rate only, from 4.45% per annum
HELOC

Eligibility criteria

In 2021, Scroll will cater only to homeowners with existing buy-to-let residential properties.
Scroll will offer Home Equity Loans and Lines of Credit secured on one or more such properties owned by the borrower. The security must be evidenced through a legal charge registered at HM Land Registry.

Borrowers

  • Individuals or Limited Company SPVs
  • All applicants must be UK residents, with the primary applicant earning at least £20,000 per annum
  • Prime applicants with clean credit history

Security

  • Residential buy-to-let properties located within England or Wales
  • A minimum property value of £75,000
  • Maximum Loan-to-value (LTV) ratio of 80%

Purpose and Affordability

  • Gross property rental income must exceed required interest cover ratio
  • Property purchase, renovations, and refurbishments, business investments
  • Borrow responsibly - loans are not available for gambling or related activities
Purpose of loan
  • Property purchase, renovations, and refurbishments
  • Pay-off university tuition fees, consolidate debts or pay-off credit cards
  • Borrow responsibly - loans are not available for gambling or related activities
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Your home may be repossessed if you do not keep up repayments on your mortgage

What others are saying about us

“We’re very excited at what Ashish and the team are building, their track record in Second Charge lending is extremely impressive and bringing the technology element to BTL Second Charges will be groundbreaking… We can’t wait for the launch later this year."
Matt Tristram
Co-founder
Loans Warehouse company logo
“I’m excited by the prospect of a new lender coming to market, with differentiated offerings and using smart, modern and digital technologies. Scroll is led by a fantastic team, well-known to this market, and we are excited to be a part of their journey as they work towards a launch later this year."
Andy Pelley
Director
Loan Partnership company logo

Careers

As you might have guessed, Scroll is a fast-growing start-up. We are always looking for bright, intellectually curious, and talented individuals to join our team.
Join Our Team

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