Let's get your home renovations started

We hope so! But it all comes down to your personal circumstances – your credit score, your income, the loan type you want – unsecured or secured – and whether or not you meet the lender’s criteria.

As a general rule of thumb, the higher your credit score, the more likely you’ll get a lower APR (Annual Percentage Rate) on your loan. And if your credit score is a bit lower, you could get a higher APR.

If your credit score is low but you’re a homeowner, a homeowner loan might be an option for you.

Home improvement loans playing with your head? Don’t worry, we’ll do what we can to sort that right out. The three questions below are a great place for you to start.

Can you afford the monthly repayments?

It can harm your credit score if you can't keep up with your payments.

Does the APR work for you?

Remember, everyone is offered a different APR and yours might be different to the representative APR. So before you proceed with your application, double check it and make sure it works for you.

Have you read your terms and conditions?

It’s really important you know your terms and conditions. This is because loan types and lenders can have different fees and charges. Make sure you don’t unexpectedly get caught out by not checking them first.

There are loads of things you can use a home improvement loan for, so let your creative juices flow. Below are some of the things you could put your home improvement loan towards:

• Build an extension
• Invest in a loft or basement conversion
• Replace windows with double-glazing
• Add a conservatory
• Fit a new kitchen or bathroom
• Redecorate your interiors
• Add a new bedroom