Home Improvement Loans
Renovate without draining your savings
Figures shown are for Home Improvement Loan and update automatically when our published rates change. Your own offer depends on the amount, the term and our assessment.
A home improvement loan spreads the cost of work on your property across fixed monthly payments. It is unsecured, so it is not tied to your home the way further borrowing on a mortgage would be.
What it typically funds
Kitchens and bathrooms, roofing and windows, insulation and heating, an extension or loft conversion, or urgent repairs that cannot wait for savings to rebuild.
Borrow for the work, not the estimate
Renovation costs overrun more often than not. Get a written quote, then think carefully before borrowing well above it — you can usually apply again if genuinely needed, whereas repaying money you did not use is simply wasted interest.
Unsecured, and what that means
This lending is not secured against your property. Your home is not used as collateral for the loan, which is a different risk profile from extending a mortgage. As with any credit, missed payments affect your credit file and your ability to borrow later.
Common questions
Do you pay the builder directly?
No. Funds go to your own account and you pay your contractor, which keeps you in control of the work.
Do I need to own the property?
For most improvement work, yes. Tell us your situation and we will say whether we can help.
