Secured Home Improvement Loans

Specialist Secured Loan Advisers.
Borrow £20,000 to £500,000.
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Secured Home Improvement Loans

Why take out a secured home improvement loan?

There can be many reasons why people take out home improvement loans and these are the most common that we see:

  • Update Existing Rooms - Maybe some of the existing rooms are in need of an upgrade as they are heavily used and need a revamp. A good example of this is a kitchen or bathroom – These rooms are used daily and over many years can become damaged & outdated.
  • Need More Family Space - As the family grows may be you need additional space and this could be achieved through a loft conversion, extension or re-working the layout of your existing property.
  • Conservatory - By having a conservatory this will give you extra space within the property for you and the family to enjoy.
  • Create an Office - Many people are now working from home either full time or part time and they need a specific area to work from.
  • Full House Overhaul - May be you have recently bought the property and it is in need of a full overhaul, new windows, flooring, walls, kitchen, bathroom etc.
  • Increase Property Value - May be you wish to sell the property in the near future and by making upgrades it could significantly increase the property value.

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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.

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Loan FAQ's

What type of loan is best for home improvements?

This depends upon your circumstances and how much you want to borrow. Ways in which you could look to borrow money are:

  • Unsecured Loans - These are provided by high street banks and online providers.
  • Secured Loans - These are generally provided by specialist lenders through mortgage & loan brokers.
  • Further Advance - From your existing mortgage lender.
  • Remortgage - with either your existing or a new mortgage lender

You should explore all these options and get advice. Take your time to make sure you understand all the costs and implications of borrowing the money.

How much can I borrow on a secured loan?

This depends upon a number of factors such as:

  • Affordability - How much can you afford to borrow? The lender has to make sure any money you borrow is affordable over the term of the loan.
  • Equity - As the loan is secured against a property the lender will want to make sure the secured debts (i.e. mortgage and new loan) does not exceed the property value and will want a buffer in place of possibly 15% (depending upon the situation).
  • Credit Profile - If you have a low credit score and some bad credit you will have less options available.
Secured Home Improvement Loans

Product Name: Loans

Product Description: Secured 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.