Home Improvement Loans

If you are looking to raise money against your home for a new extension, a new kitchen, new bathroom or loft conversion for example, our team of mortgage and loan advisers would be happy to help and explore your options.

If your credit score is low or you have bad credit recorded against you such as missed payments, defaults or County Court Judgements we have specialist lenders available that can help.

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Home Improvement Loans

Home Improvement Loans are very popular and as the name suggests they are loans for people wanting to improve their property and do not have the funds available to do this. Saving up for a major home improvement such as an extension, garage or conservatory make take years and after that time the requirement may not be quite so important. Sometimes people need a home improvement loan quickly. Perhaps a baby on the way, or simply not enough room at the house. Saving the money would take too long, so a home improvement loan can be the answer.

A home improvement loan can take different forms depending on your current circumstances. Home Improvement Loans may be measured on affordability as well as your personal financial situation and credit score. You will need to work out how much you need for your home improvement loan and which type of loan suite.

A personal loan may be the quickest and easiest option, depending upon how much money you need to borrow. Typically up to £15,000 for an unsecured personal loan, assuming that your credit score is pretty good. Should you need to borrow more, or your credit history is not perfect then a secured loan on the property may be a good idea, assuming of course that there is sufficient equity in the property to cover the home improvement loan, with a little extra equity to cover any other eventualities. Lenders feel safe with a secured loan and often, for home improvements this may be on of the best solutions.

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THE ACTUAL RATE AVAILIABLE WILL DEPEND UPON YOUR CIRCUMSTANCES. PLEASE ASK FOR A PERSONALISED ILLUSTRATION.

LOANS MAY BE SECURED ON YOUR HOME. YOU WILL HAVE TO PAY EARLY REDEMPTION CHARGES THIS WILL VARY. A VARIABLE RATE LOAN MAY GO UP OR DOWN IN LINE WITH THE BANK OF ENGLAND BASE RATE. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

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.

WARNING: LATE REPAYMENT CAN CAUSE YOU SERIOUS MONEY PROBLEMS. FOR HELP, GO TO MONEY ADVICE SERVICE.

What our Customers think about us

Home Improvement Loans

Product Name: Loans

Product Description: Home Improvement Loans

  • Rating
5

Kavita

Gary has been great from the start, very professional and friendly. this was my first commercial finance and he answered all of my questions no matter how small & explained everything very well, for me to understand the whole process. I would definitely recommend TMH & if needed use their services again.