Accept customers without undue risk

Guarantee the liabilities of any applicant that we approve via a bespoke underwriting solution free from the bureaucratic shackles of standard insurance.

We’re trusted by the world's leading companies

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of all consumers in the UK are at risk of defaulting on loans, mortgages or lines of credit. Our guarantees offer another layer of protection.


Losses due to UK financial fraud in the first half of 2022. This is only set to increase as more people turn to loans and credit to pay for basic bills.

1 day

Is how long it takes us to pay out on guarantee claims compared to the average 5-months waiting time for insurance payouts.

We assume the risk of every applicant we approve

Meaning you can upsell our prime guarantee protection as an additional product. More protection for your customers. More revenue for you. Simple.

Guarantee liabilities and assets internationally

Circumvent the complex insurance regulations of each country with a fit-for-purpose guarantee that is valid across borders.

Uncapped liability guarantees

There is no minimum or maximum asset value that we’ll guarantee, offering total flexibility to your customers.

Income protection at a fraction of the price

Homeppl charges just 1% of contract value and guarantees losses from as little as £1. Most insurers won’t guarantee partial defaults.

Offer extra protection

Offer your customers extra protection during the current cost of living crisis as a means to secure their business.


A flexible, modern insurance-like alternative

“The pain Homeppl prevents through their diligence process makes a massive difference. It’s vital that our partners can adapt fast to reduce our exposure.”

Russel Markou, Head of Ops, Quintain Living

Same day repay
Make waiting for insurance claims payouts a thing of the past.
Completely integratable
Integrate Homeppl Guarantid into your CRM. No changes to your flow are required.
Extended reach
Approve more customers, sell more guarantees and secure more revenue.
Guarantee anyone
We can confidently cover students, ‘thin-filed’, high net worth profiles etc
Secure cover
Guarantees are based on extremely comprehensive risk assessment tests.
Read Spotahome case study
See how we helped create a new financial product valid in 29 counties at the same time.

Sectors we serve

Protecting against risk and preventing fraud across industries and borders.

Protect against the growing risk of fraud in credit, business loan & vehicle finance applications.

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Expand financial access to more quality customers by assessing thin-filed and international applicants.

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Scale your business by enhancing efficiency with automation & customise risk appetite to suit you.

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Real Estate

5% of properties are rented to fraudsters. Check for ID, financial and residential suitability at speed.

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Discover how flexible guarantees add more revenue to your business

We'll provide a short no-obligation demo of each element of our fraud tech, book below:

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