Home Improvement Finance
Home Improvement
Loans from 6.34%
Fund your dream renovation with a secured home improvement loan. Borrow £3,000 to £500,000 for extensions, kitchens, bathrooms, loft conversions, and more — at rates far lower than personal loans.
Last updated: March 2026
Quick Answer
A secured home improvement loan is one of the most cost-effective ways to finance renovations in the UK. Homeowners can borrow from £20,000 to £100,000 or more for projects like extensions, loft conversions, and new kitchens, using the equity built up in their property. Interest rates on secured loans typically range from 6–12% APR, which is significantly lower than unsecured personal loans that often charge 15–30% and cap borrowing at £25,000. A key benefit is that you keep your existing mortgage deal untouched — the secured loan sits behind it as a second charge, so you avoid early repayment charges and retain your current rate. Repayment terms of 5 to 25 years keep monthly payments affordable. Home improvements also tend to add value to your property, making a secured loan a practical investment in your biggest asset.
Why Use a Secured Loan for Home Improvements?
Home improvements are one of the most popular reasons homeowners take out a secured loan. Unlike unsecured personal loans that cap borrowing at £25,000 and charge higher rates, a secured home improvement loan lets you borrow up to £500,000 at rates from 6.34%.
The key advantage is that home improvements typically increase your property value — often by more than the cost of the work. A well-planned extension can add 10–20% to your home's value, meaning you're investing in your biggest asset while improving your living space.
A secured loan also lets you keep your existing mortgage deal. If you're on a competitive fixed rate, remortgaging to raise funds could mean losing that deal and paying early repayment charges. A second charge loan sits behind your mortgage — your current deal stays untouched.
How Much Do Home Improvements Cost?
Typical UK costs for popular home improvement projects.
Kitchen Renovation
£8,000 – £25,000New units, worktops, appliances, and flooring. A new kitchen adds significant value and is one of the most popular renovation projects.
Extension / Conservatory
£20,000 – £80,000+Single or double storey extensions, orangeries, or conservatories to add living space. Often adds more value than the cost.
Loft Conversion
£25,000 – £60,000Convert unused loft space into a bedroom, office, or playroom. Can add 10–20% to your property value.
Bathroom Refurbishment
£5,000 – £15,000New suite, tiling, underfloor heating, and modern fittings. A refreshed bathroom improves daily life and adds value.
New Roof
£5,000 – £15,000Full roof replacement or major repairs. Essential maintenance that protects your home investment.
Central Heating / Boiler
£3,000 – £10,000New boiler, radiators, or full central heating system. Improves energy efficiency and reduces bills.
Driveway & Landscaping
£3,000 – £20,000New driveway, patio, fencing, or garden landscaping. Improves kerb appeal and outdoor living space.
Windows & Doors
£5,000 – £15,000Double or triple glazing, new front door, bi-fold doors. Reduces energy bills and modernises your home.
Calculate Your Home Improvement Loan
See indicative monthly payments for common renovation budgets.
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