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Finding you a better loan deal

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Home Improvements Loan

Our Home Improvements Loans Service provides:

  • Loans from £3,000 to £2,500,000
  • Exclusive deals
  • Solutions for mortgage arrears, CCJs & defaults

Fluent Loans

We found 3 loans for £25,000 over 10 years

Min-max loan: £10,000 - £125,000
Cost: £249.56 per month
Term: 3 - 30 years
APR: 3.7%
£10,000 - £125,000
£249.56 per month
3 - 30 years
3.7%
more info Call now0800 084 8029

UNITED TRUST BANK

Homeowner Loan For: Home improvements; Expanding property portfolio; Car Purchase; School Fees; Tax Bill; Consolidating Debts - GOOD CREDIT HISTORY ACCEPTED - Self Employed & Pension Income Considered

Min-max loan: £3,000 - £500,000
Cost: £249.92 per month
Term: 3 - 30 years
APR: 3.73%
£3,000 - £500,000
£249.92 per month
3 - 30 years
3.73%
more info Call now0800 084 8029

Homeowner Loan Deal

HOMEOWNER LOAN - GOOD CREDIT HISTORY ACCEPTED

Min-max loan: £10,000 - £500,000
Cost: £250.04 per month
Term: 3 - 35 years
APR: 3.74%
£10,000 - £500,000
£250.04 per month
3 - 35 years
3.74%
more info Call now0800 084 8029

Homeowner Loan Deal

HOMEOWNER LOAN - GOOD CREDIT HISTORY ACCEPTED

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED. IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

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Home Improvements Loan

Find the best UK home improvement loan deal

If you are looking for a secured loan, our service can help you find the most competitive deal in the UK market.

Our service provides:

  • Home improvement loans from £3,000 to £2.5m
  • Adverse Credit and CCJs loan applications considered
  • Loans Up to 30 years
  • Leading UK Homeowner lender deals compared

Our home improvement loans service is provided by Fluent Money. 

Homeowner Loan

Testimonials:

Everything was carried out fast and efficiently from start to finish making the whole process easy and hastle free.

Terence, North Lanarkshire - 04/10/2017

Excellent from start to finish. Our advisor Helen was always on hand and was very methodical and precise. Helen always kept us up to date on our application...

  Kevin P , Essex - 03/10/2017

Get a secured loan quote today »

Representative example:

Assumed borrowing of £18,000 over 120 months, with a fixed borrowing rate of 6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71. Total amount payable £26,945.40 comprised of; loan amount (£18,000); interest (£6,920.40); Broker fee (£1,530); Lender fee (£495). This would result in an overall cost of 9.1% APRC

If you are thinking of updating or adding to your home, a home improvements loan can be a great way to fund the necessary work in an affordable way.

Home improvement loans are offered by many lenders and offer several advantages:

  • You can borrow significant amounts of money (£10k-£500k is common)
  • You can repay over a longer period (up to 30 years in some cases)
  • You can receive attractive interest rates (compared to unsecured borrowing)

Homeowner Loan

What is a home improvement loan?

Home improvement loans are a type of secured loan, where the money you borrow is secured against your home.

This can allow you to borrow more than with other types of loan, such as a personal loan. It may also mean you are offered a more attractive rate of interest as lenders usually see this kind of borrowing as less of a risk than unsecured borrowing.

The exact amount you can borrow as a home improvements loan will depend on your circumstances and the lender, but anywhere from £10,000-£500,000 is commonly possible.

Home improvement loans can be a good investment as they often allow you to add more value to your home than the value of the loan, meaning you can potentially make a profit on the loan.

However, it is important to remember that, as with any kind of secured borrowing, your property could be at risk if you fail to keep up with your repayments.

First charge and second charge secured loans

When taking out a loan secured against your home, it will either be a first or second charge loan, depending on whether you already have a loan, such as a mortgage, secured against your property.

If you do not have a mortgage, your home improvement loan will be classed as a first charge loan.

If you do have a mortgage, you loan will be classed as a second charge loan, also sometimes called a second mortgage.

How much will a home improvements loan cost?

The main cost with a home improvement loan will be your monthly repayments. These will cover the interest on the loan and may also include repaying a percentage of the capital (although some lenders may allow you to pay interest-only and repay the capital when the loan term ends).

What kind of interest rate you receive will depend on factors including:

  • How much you need to borrow
  • How long you want to repay over
  • Your loan to value ratio (LTV)
  • Your credit rating
  • How much secured or unsecured debt you already have

Find the best interest rates on home improvement loans

Whether your home improvements are for your personal use, or as an investment to increase the value of your home, it makes sense to keep the cost of borrowing down as much as possible.

The best way to do this is compare a range of loan deals from across the market as rates vary significantly from lender to lender and product to product.

Our loan comparison table at the top of this page makes comparing a wide range of deals easy. We regularly update the table with the best deals on secured loans we have identified from all the leading lenders, taking the hard work out of finding the best loan for you.

Fluent Loans

5 reasons to use our Loan Service

  • 1
    Compare over 200 loans from over 20 lenders
  • 2
    UK market leading loan rates
  • 3
    Fast loan service - You could have a loan underwritten, approved and paid within 24 hours
  • 4
    Credit to suit all circumstances
  • 5
    Simple process