Loans secured on your property.
A homeowner loan is another name for a secured loan- this is a loan secured against your property. As you are providing security, it will usually be for a larger sum but at a lower rate of interest than unsecured loans. Most banks and mortgage providers will entertain your application; and your best guide to value will simply be the APR.
A homeowner loan is another name for a secured loan. Technically, a loan can be secured on any valuable piece of property, but in almost all cases it's your home which provides the security; hence the term "homeowner loan".
These are available for almost any purpose (including debt consolidation) although there are often particularly good rates for home improvement works; as this ought to increase the value of the property anyway. The amount you can get will depend on how much equity you have in your property (this is another reason the "negative equity trap" is such a problem), but don't feel that you have to stick with your current mortgage lender. Some banks and building societies (Abbey National for example) clearly offer their best rates to existing customers, but many others (Halifax) welcome new borrowers.
Unlike an unsecured loan, the rate of interest you pay will usually be variable- the homeowner loan has much in common with a mortgage. That said, you can arrange high-budget fixed rate loans, both on an unsecured or secured basis, so do shop around the providers. If you're borrowing for debt consolidation, you could certainly do with knowing what your repayments are liable to be.
On the plus side, because you're committing (usually) to a variable rate, and because the loan is secured against your house, a homeowner loan can be expected to be at a lower interest rate than an unsecured loan.