Home Equity Loan (HEL)

Scroll is entering the market with HEL for Buy-to-Let landlords. Scroll HEL is a fast and flexible way to fund your needs. Draw the entire amount on day one, or add on a Home Equity Line of Credit (HELOC) and access a revolving credit facility.

The home equity advantage

We have tailored our HEL product with Buy-to-Let landlords in mind. Whether you own a single property, multiple properties, or are a portfolio landlord, we have a bespoke solution waiting for you! With market-leading loan-to-value (LTV) ratios, you could take your property equity further with Scroll.

Fund big ticket expenses
Access £25,000+ to £1,000,000 based on your home equity in one go. With Scroll’s 100% digital process, turn equity into ready cash in as few as 5 days.
Get bespoke prices
Annual interest rates start at 7.75%, significantly cheaper than many forms of unsecured credit. Competitive interest-coverage-ratio (ICR) means most landlords would qualify. Personalised rates to suit individual landlord’s profile.
FLEXIBLE OPTIONS
Available on fixed and variable rates, or a combination of both. While landlords on a variable rate loan can opt for a HELOC (see below) as an add on, those on a fixed rate loan are protected from fluctuating market rates. And now, for the first time in the UK, landlords can choose to fix their rate right down to a specific date!
SIMPLE AND Transparent Fees
Pay a one-time 2% product fee. Planning to repay your loan sooner? Our early repayment charges (ERC) are amongst the lowest in the market at just 2% during the fixed rate period. Here's our full list of charges.
SECURE AGAINST MULTIPLE PROPERTIES
Secure your Scroll loan against multiple Buy-to-Let properties (up to 10) to unlock more equity.

Add on a HELOC

Convert your home equity advantage into a win. Choose HELOC as an add-on feature for the first 12 months of a variable rate Scroll HEL. Hugely popular in North America, HELOC is a revolving credit facility — just like a credit card, but far more cost-effective. Landlords pay interest only on the funds used, keeping interest costs low and drawdown flexibility high.

Drawdown as and when you need
Perfect for an upcoming big spend of funds for a brief period, with HELOC draw as much or as little of your approved loan as you need. Save on interest on the undrawn amount. Savvy.
Best of both worlds
At the end of the feature availability period, HELOC automatically crystallises into a fixed sum loan.
Smart.
competitive and one time fee
Pay a one-time 0.5% feature fee in addition to the 2% HEL product fee. Simple.

Product FAQs

Have any more questions? Please visit our FAQ page to find out more.