Fund your project. At up to 50% lower broker fees.
We compare thousands of plans across the specialist market to find you competitive rates for extensions, conversions, kitchens and more. Keep your existing mortgage. Add debt consolidation for lower monthly payments.
Fund Your Home Project
Thousands of plans compared
Add debt consolidation and many customers pay
Lower monthly payments than beforeWhat is a home improvement loan?
A home improvement loan is a secured loan, also called a second charge mortgage or homeowner loan, that sits alongside your existing mortgage. You borrow using your home as security to fund projects like extensions, loft conversions, new kitchens, bathrooms, or energy improvements.
Unlike remortgaging, you keep your current mortgage deal completely intact. No early repayment charges. No losing a competitive rate you've worked to secure.
Because the loan is secured against your property, lenders can offer significantly larger amounts and lower rates than unsecured personal loans, making bigger projects genuinely affordable.
Many customers also consolidate existing debts at the same time, combining their home improvement borrowing with credit cards or loans for lower monthly payments overall.
Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home. Make sure the monthly payments are comfortable for you before going ahead.
Home improvement secured loans are regulated by the Financial Conduct Authority (FCA). Applications are handled by Loan.co.uk, which is authorised and regulated by the FCA. You're protected by strict rules on fair treatment, clear information, and responsible lending.
Secured Loan vs Remortgage
For funding home improvements
Secured Loan
Remortgage
With debt consolidation added, many customers achieve
What can you fund with a home improvement loan?
From large structural projects to energy upgrades and landscaping. If it improves your home, you can fund it.
Extension
Single or double storey, side return or rear. Add square footage, create open-plan living, and increase your property value at the same time.
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Dormer, hip-to-gable, or Velux. Turn unused roof space into a bedroom, office, or bathroom without moving house.
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A full kitchen renovation or remodel. New units, appliances, worktops, and layout, done properly and not cut short by budget.
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Fully tiled wet room, freestanding bath, en-suite, or accessible bathroom. Transform a dated bathroom into something you actually enjoy using.
Get my free quoteSolar & energy
Solar panels, heat pumps, insulation, or EV charging. Invest in energy efficiency upgrades that reduce your household running costs.
Get my free quoteGarden & landscaping
Landscaping, decking, garden rooms, outdoor kitchens, or driveways. Extend your living space outdoors and enjoy your property more.
Get my free quoteOther projects people fund with a home improvement loan:
The smarter way to fund your project
Personal loans cap out quickly. Remortgaging costs more than it should. A secured loan gives you the amount you actually need, without disrupting what you already have.
Fund bigger projects properly
Secured loans go up to £1.5 million depending on your equity. Personal loans cap at around £25,000, which isn't enough for most extensions or conversions.
Keep your existing mortgage
A secured loan sits alongside your mortgage as a second charge. You keep your current rate and avoid early repayment charges that remortgaging would trigger.
Lower monthly payments than credit
Because the loan is secured, rates are substantially lower than personal loans or credit cards. Spread over a longer term, monthly payments are manageable.
Repayment terms up to 30 years
Spread your borrowing from 3 to 30 years. Longer terms mean lower monthly payments, making even large project costs genuinely comfortable.
Consolidate debt at the same time
Many customers add existing debts to their home improvement loan. One combined payment, often lower than what you were paying across multiple accounts.
More flexible on credit history
Because the loan is secured against your property, specialist lenders can be more flexible. Options are often available where a personal loan would be declined.
Three steps to fund your project
No long waits. No confusing forms. Here's what happens when you use Albot.
Tell us about your project
Your property, what you're planning, and how much you need. Takes 90 seconds.
⏱ 90 secondsSee your options
Albot searches the specialist secured loan market and shows what's available for your situation, with no credit check required.
⚡ Instant resultsExpert adviser handles it
A qualified adviser from Loan.co.uk reviews everything with you and manages the full application through to completion.
👤 FCA regulatedFaster, clearer, lower broker fees
We combine instant matching technology with expert advisers, so you pay less to borrow and get better support throughout.
Instant comparison
Thousands of plans compared in seconds. AI-powered matching finds your best home improvement loan options fast.
Up to 50% lower fees
Our broker fees are up to 50% lower than major competitors. That's a genuine, verifiable saving, not a marketing claim.
Expert support
Qualified advisers at Loan.co.uk handle your application end to end. FCA authorised and regulated throughout.
No credit footprint
Checking your options uses a soft search. It won't show on your credit file or affect your score.
Common questions about home improvement loans
Everything you need to know before you start your project.
How much can I borrow for home improvements?
Typically from £10,000 up to £1.5 million or more, depending on your property equity and what you can comfortably afford to repay. The lender looks at your property value, your outstanding mortgage, income, and outgoings. Most home improvement projects fall in the £20,000–£100,000 range.
Will a home improvement loan affect my existing mortgage?
No. A secured home improvement loan sits alongside your mortgage as a second charge. Your existing mortgage remains exactly as it is. This is particularly valuable if you're on a competitive rate you don't want to lose, or if remortgaging would trigger early repayment charges.
Is a secured loan better than remortgaging for home improvements?
It depends on your circumstances. A secured loan is often the better choice if you're in a fixed-rate mortgage with early repayment charges, if you want to keep your current deal, or if you want to add debt consolidation (which many first charge mortgage lenders restrict). We compare thousands of plans across the specialist market so you can find the right option.
Can I consolidate debts alongside my home improvement loan?
Yes. Many customers add existing debts (credit cards, personal loans, overdrafts) to their home improvement loan. This combines everything into one secured payment, which is often lower than the total they were paying across multiple accounts. Your adviser will make sure this is the right choice for your situation.
Can I get a home improvement loan with a poor credit history?
Yes. Because the loan is secured against your property, lenders can often be more flexible about credit history. Specialist lenders consider applications from people with missed payments, CCJs, defaults, or other credit issues. Rates may be higher, but options are often available where personal loans would be declined outright.
What happens if I can't keep up repayments?
Your home may be repossessed if you do not keep up repayments on your mortgage. Lenders will usually try to work with you if you face difficulties, so contact them early if your situation changes. Your adviser will ensure you only borrow what you can comfortably afford before any application proceeds.
Ready to fund your home project?
Check what you can borrow in 90 seconds. No commitment, no credit check, no upfront fees.
Get my free quoteRepresentative Example (Secured Loans & Second Charge Mortgages)
If you borrow £18,000 over 10 years, initially on a fixed rate for 5 years at 7.4% and for the remaining 5 years on the lender's standard variable rate of 7.9%, you would make 60 monthly payments of £249.27 and 60 monthly payments of £254.63. The total amount of credit is £19,657 (including a lender fee of £595 and a broker fee of £1,062). The total amount repayable would be £30,234. The overall cost for comparison is 10.42% APRC representative. This means 51% or more of customers receive this rate or better for this type of product.
Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home.
Albot is an introducer and technology platform, not a lender and not a broker. Applications may be passed to Loan.co.uk Ltd, which acts as a credit broker, not a lender. Rates are subject to status, affordability checks and lender criteria.