Home Improvement Loans

If you plan on making renovations or repairs to your home then a secured home improvement loan might be right for you.

These types of loans are beneficial for people that were not able to adorn their home with the features they desired at the time of construction or purchase. Typically if you renovate a kitchen or add a garage then the value of your property will also increase, sometimes significantly.

Secured Home Improvement loans can provide:

  • New kitchens or bathrooms
  • Extensions
  • Landscaping of your garden
  • Conservatories
  • New home furnishings
  • Any other home improvement purposes

Most secured home improvement loans will require you to use your home as collateral against the loan. The amount you can borrow and the interest rate you qualify for are entirely dependent on your personal financial condition. Home improvement loans that are secured with your property are the easiest and quickest loan to apply and qualify for, as security is built into the loan. The lender is risking less and is therefore, more likely to approve the loan and give you a low interest rate.

Once you receive the money, it is yours to do with it what you want, as long as it is related to improvements to your property.

Advantages of secured improvement loans:

  • Easy to qualify for if you use your home as collateral
  • Low interest rates
  • Home improvements will usually increase the value of your home

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SecuredLoans.com is a credit broker. In the case of unsecured loans, the REPRESENTATIVE APR is 9.3% variable. 51% of borrowers get this rate or less Representative example: - £10000 over 60 months at an interest rate of 9.3% per annum. Monthly repayment £206.86. Total amount payable £12416.46.


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.


65% of secured loan borrowers should get rates less than our TYPICAL 13.8% APR including those who have credit problems. APR’s are variable in most cases. In some cases a secured loan processing cost may be charged, which is deducted from the loan on completion and included in the interest rate quoted. This charge covers the cost of property valuation, mortgage references, consent to register a second charge, land registry search’s, credit references, staff costs, marketing and variable costs associated with your loan and is on average 8% of the loan amount. The amount of any fee and the actual rate available will depend on your circumstances and will be discussed with you at an early stage. Extending the loan over a longer period can reduce your monthly payments but may increase the total cost of credit.