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.
    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 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.

Product FAQs

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

Scroll HEL is exclusively available through our growing list of brokers we work with.
Visit our eligibility page to see if you qualify for our products.

Borrow responsibly. Your home may be repossessed if you do not keep up repayments on your mortgage.