This website uses cookies to improve user experience. By using our website you consent to all cookies in accordance with our Cookie Policy. Read more

Finding you a better loan deal

How much do you wish to borrow?

TOP 
UK Loan deals

Loans from
£1,000 to £2.5m

NO
upfront fees

Personal Loan

3.2% APR 

  • £7,500 Loan over 5 years

Representative Example: The representative APR is 3.2% (fixed) so if you borrow £7,500 over 5 years at a rate of 3.01% p.a. (fixed) you will repay £135.29 for 60 months.

3.73% APR 

  • £30,000 - £500,000 (3 to 30 year term)

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

We found 4 loans for £15,000 over 10 years

Min-max loan: £10,000 - £500,000
Cost: £150.02 per month
Term: 3 - 35 years
APR: 3.74%
£10,000 - £500,000
£150.02 per month
3 - 35 years
3.74%
more info Call now0117 313 8872

Homeowner Loan Deal

HOMEOWNER LOAN - GOOD CREDIT HISTORY ACCEPTED

Min-max loan: £10,000 - £2,500,000
Cost: £151.08 per month
Term: 3 - 25 years
APR: 3.89%
£10,000 - £2,500,000
£151.08 per month
3 - 25 years
3.89%
more info Call now0117 313 8872

Homeowner Loan Deal

HOMEOWNER LOAN - GOOD CREDIT HISTORY ACCEPTED

Min-max loan: £10,000 - £125,000
Cost: £151.16 per month
Term: 3 - 30 years
APR: 3.9%
£10,000 - £125,000
£151.16 per month
3 - 30 years
3.9%
more info Call now0117 313 8872

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: £10,000 - £500,000
Cost: £151.16 per month
Term: 3 - 25 years
APR: 3.9%
£10,000 - £500,000
£151.16 per month
3 - 25 years
3.9%
more info Call now0117 313 8872

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.

Before you apply…

Make sure you qualify

Lender
Maximum LTV
Minimum loan
Maximum loan
Minimum term
Maximum term
Credit rating
Minimum age
Maximum age

Home Improvement Loan Calculator

What is a home improvement loan?

Home improvement loans allow you to borrow money to make improvements to your home. This can be a cost-effective way to add space, upgrade your living space or increase the value of your property with a view to selling.

Depending on how much you need to borrow, you may want to take out an unsecured home improvement loan or a secured home improvement loan. A secured loan will usually allow you to borrow significantly more and may offer more attractive interest rates, although this will usually depend on a number of factors.

When looking at home improvement loans, it is strongly recommended to discuss your borrowing needs with a professional loan advisor.  They will be able to help you pick the right loan product and lender for you and help you access the money you need at the most attractive rates available.

Types of home improvement loan

To make the right choice about borrowing for home improvement, it is important to understand the two main types of finance likely to be available to you.

Unsecured personal home improvement loans

An unsecured loan is one which is not tied to a particular asset. This type of borrowing will generally offer the following advantages:

  • Borrow up to £25,000 (or more with some lenders)
  • Repay over up to 10 years (depending on the lender)
  • Fixed monthly repayments may be an option
  • Repayment holidays may be an option
  • Ideal for smaller home improvement projects

Secured home improvement loans

If you need to borrow more, an secured loan may be the way to go. With a secured home improvement loan you can:

  • Borrow up to 90% of your property’s value with some lenders
  • Repay over much longer periods
  • Access more attractive interest rates (subject to circumstances)
  • Choose fixed or variable interest rates
  • Fund significant home improvements, including major renovations and extensions

If you choose to take out a home improvement loan secured against your home, it is important to understand that your home may be at risk if you fail to keep up with your repayments.

Borrowing for rental property improvements

If you are a landlord looking to borrow money to improve a rental property, you may want to consider a buy-to-let mortgage. If you have an existing buy-to-let mortgage, it may be worth remortgaging or taking out a second charge mortgage to fund the property improvements you wish to make.

Compare home improvement loans

Whether you are borrowing to make your home a better place to live, or in hopes or turning a profit, getting the best deal on your home improvement loan rates is essential. This will help to keep the amount you repay each month down and mean you end up paying back less overall.

Our home improvement loan calculator, found at the top of this page, is designed to make it fast and straightforward to find the very best deals on both unsecured and secured home improvement borrowing. Simply head to the top of the page and share some basic details to see matching loans from top lenders across the market.

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

More From Fair Loans