Also known as: Evolution Money
Evolution Money Limited is a UK specialist lender that provides secured personal loans, also known as second charge mortgages or homeowner loans. Its products are available only to homeowners who have equity in their property.
A secured loan from Evolution Money is borrowed against the value of your home. This means your home is used as security, and if you cannot keep up with repayments, your home may be at risk. Second charge mortgages sit behind your main mortgage in priority.
Evolution Money typically lends to customers who may not qualify for unsecured personal loans from mainstream banks, often because of credit history. The secured nature of the loan means it may be possible to borrow more than through an unsecured product, and repayment terms are often longer.
Because a secured loan puts your home at risk, it is strongly recommended that you take independent financial advice before committing to one. You should compare it carefully with other options including remortgaging or unsecured borrowing.
If you have an Evolution Money loan and need to contact them, details are available on their website at evolutionmoney.co.uk. Evolution Money Limited is authorised and regulated by the Financial Conduct Authority.
Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. If you are struggling with mortgage or secured loan repayments, contact both the lender and a free debt adviser immediately.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Evolution Money Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Secured homeowner loans (second charge mortgages); Debt consolidation loans
Trading names and group notes
Subsidiary of Evolution Money Group Limited (Companies House 08423025). Evolution Lending Limited is a related entity. Bamboo Limited (FCA FRN listed separately at register.fca.org.uk) is a wholly unrelated company.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.2
Approximately 678 (as of mid-2026) reviews
App Store
Not applicable
Google Play
Not applicable
Other review sources
Also reviewed on Feefo and Smart Money People. 76% of Trustpilot reviews are 5-star; 13% are 1-star.
Overall public sentiment
Broadly positive. Customers praise professional and knowledgeable staff. Recurring criticism around high interest rates. Some concerns about variable rate products.
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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