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Non-Homeowner Guarantor Loans

For many of those seeking a loan, one of the biggest concerns is whether or not you need to be a homeowner. While some companies will require you to own a home, and ask you to put your house up for collateral against the loan, TFS Loans does not. For guarantor loans from TFS you don’t need to be a homeowner, in order to apply for a loan.

Loans that require you to be a homeowner are called ‘secured loans’, this means that you need evidence of owning property to support your application and your loan is lent against your home. The types of loans we offer at TFS are non-homeowner guarantor loans. A non-homeowner guarantor loan, is an ‘unsecured loan’, meaning you don’t need to be a homeowner to apply for the loan. The term ‘unsecured loan’, simply means that your loan is not secured against your home or any property.

We understand at TFS that the property market is tough to crack, and that are customers may not be homeowners. Non-homeowner guarantor loans are ideal loans for those who don’t own property. The only criteria for a guarantor loan, is that you have a guarantor to support your loan application. The role of the guarantor, is to ensure that should you, the borrower, miss any repayments on your loan, your guarantor will cover the cost for you instead, until you resume paying. It’s as simple as that. Trust based lending for non-homeowners.

So, even if you rent or live with the parents , you can still apply for a non-homeowner guarantor loan. Your guarantor can be anyone with good credit who is a homeowner, all they have to do is agree to cover any repayments on the loan, should you be unable to pay.

Making non-homeowner guarantor loans an ideal way to secure a loan when you need it most, no fees, no deposit, no property as collateral. Just trust based lending from TFS Loans.

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Visit our FAQs pages for any questions you may have about Guarantor Loans.

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Nothing but friendly helpful service from start to finish with my loan application. Everything has been sorted within 24 hours with exceptional customer service provided! I will definitely recommend TFS to my friends.

Callum Pettitt

15th February 2019

Fast process and the staff were wonderful. Great professional people, definitely recommend TFS. Thank you!

Angela Talbott

3rd July 2017

Excellent communication from well trained staff who explained everything from start to finish. I had the pleasure of dealing with Sally who was lovely. Well done!

Karen Walpole

16th June 2017

Great Service, kept me well informed every step of the way. Extremely efficient.

Joanne Yeaman

1st June 2017

A very efficient well mannered group. As a guarantor you answered all the questions I asked and time was of no problem - thank you for looking after my daughter.

Anthony Dinsdale

28th February 2017

All customer service personnel were really polite and extremely helpful. I would definitely recommend the company to others. I would definitely use the service again if needed in the future.

Debra Ramsay

10th October 2016

I would definitely recommend TFS loans and would use them myself again. Everything thoroughly explained in detail!

Simon Lewis

25th July 2017

I felt that the process from start to finish was smooth and quick. My application was dealt with, with ease and I look forward to being able to use this loan for a good cause

Charlene Foster

16th September 2017

Highly recommend TFS Loans very friendly and people person advisors. Very helpful very quick decisions I have had 2 loans with them now

Amanda Taylor

1st October 2018

Very helpful friendly staff. Good rates. Would recommend TFS Loans .

Anthony Denis Millington

8th October 2018

Very good service and explained everything that was going on. Highly recommend TFS for a loan.

Jamie Rhodes

13th November 2018

Very thorough and informative.

Christine Lowe

3rd December 2018

Loans are subject to status and affordability. Consolidating debts may increase the term and the total amount payable.

Before entering into any credit agreement please make sure you can afford the monthly repayments, we recommend that you seek independent advice if you are unsure of any of the terms of our agreement. There may be other taxes or costs, not paid through us or charged by us, that you have to pay in connection with the agreement.

Late repayments can cause you serious money problems. For help go to

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