Home Improvement Loans

Home Improvement Loans

When it’s time to make your home even more perfect, you’ll want the funds quickly and easily. Whether it’s for a new kitchen, a loft conversion, or an extension, we can find the right homeowner loan for you, so you can get the work done without delay.

Market leading rates

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A home improvement loan allows you to borrow a large sum of money for major renovations on your property. Typically, with a home improvement loan, interest rates are lower and you can borrow large amounts as it’s secured against your property.

If you have a good credit rating and can afford the monthly repayments, it’s definitely a good option. Rates of interest are substantially lower than credit cards or personal loans, so you don’t end up paying too much interest on top of the original borrowing amount.

Like any other mortgage, it will depend on how much equity you have in your property and if the loan is affordable. Our home improvements loans start at a minimum of £10,000.

It depends on the work you’re having done, and the lender. Some lenders do want you to provide a quote, especially if you are doing extensive structural work. Having a quote, or even just a breakdown of the costs, can speed up the process – which means you can get the funds quicker.

That depends on what home improvements you are doing. Keeping your home in good order, with up to date fixtures, fittings and features will almost certainly improve its value – but by how much, we couldn’t say for sure. It all depends on what a potential buyer is looking for – some might like the new kitchen you’ve fitted, others might put more value in an additional bedroom.

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Representative example: Borrowing of £40,000, plus £595 lender fee, plus £3,000 broker fee, totalling £43,595, over 192 months on a 5-year fixed product with an initial borrowing rate of 9.2%, following a variable rate of 9.6%. There would be 60 monthly instalments of £434.49, following 132 monthly instalments of £442.52. Total amount payable £84,577.09, made up of: Mortgage amount £40,000, Interest £40,887.09, Lender fee £595, Broker fee £3,000, Exit fee £95. Overall cost for comparison purposes 11.4% APRC.