Improve your home—pay less each month
Most of our home improvement clients also consolidate existing debts. The result? A bigger, better home—often with lower monthly payments than before.
Popular Home Projects
What are you planning?
Many clients consolidate debts too and end up with
Lower monthly payments than beforeImprove your home and pay less each month
Here’s something most people don’t realise: when you take out a secured loan for home improvements, you can also consolidate your existing debts at the same time.
Credit cards, car finance, personal loans—combine them all into one manageable payment alongside your home improvement funds.
Because secured loan rates are typically much lower than credit cards and personal loans, many of our clients end up with a lower total monthly payment than they were making before—even after adding the cost of their home improvements.
The result? A bigger, better home—and more money in your pocket each month. It’s why debt consolidation is our most popular add-on for home improvement loans.
Example: Kitchen + Debt Consolidation
How the numbers can work in your favour
Current monthly payments
One secured loan payment
Potential monthly saving
£370 less per month Plus a brand new kitchenWhat are you planning?
From small upgrades to major renovations, a secured loan can fund virtually any home improvement project.
Extension
Add valuable living space with a single or double storey extension. Create that open-plan kitchen-diner or extra bedroom you’ve always wanted.
Typical cost: £30,000 – £100,000+Loft conversion
Transform unused roof space into a bedroom, office, or bathroom. One of the best ways to add value without extending your footprint.
Typical cost: £25,000 – £65,000New kitchen
The heart of the home deserves an upgrade. From budget-friendly refreshes to luxury fitted kitchens with premium appliances.
Typical cost: £8,000 – £40,000+Bathroom renovation
Create a spa-like retreat or add an en-suite. Modern fittings and smart layouts can transform your daily routine.
Typical cost: £5,000 – £20,000Solar panels & energy
Cut your energy bills and reduce your carbon footprint. Solar panels, battery storage, heat pumps and insulation upgrades.
Typical cost: £6,000 – £25,000Garden & landscaping
Extend your living space outdoors. Patios, decking, garden rooms, driveways, and complete landscape transformations.
Typical cost: £5,000 – £50,000+Other popular projects:
The smart way to fund your project
A secured loan offers advantages that personal loans and credit cards simply can’t match for home improvements.
Borrow what you actually need
Access £10,000 to £1.5 million based on your equity. Most personal loans cap at £25,000—not enough for major renovations. The average secured loan is around £50,000.
Lower rates than alternatives
Secured loans typically offer significantly lower rates than personal loans or credit cards. Over a £30,000 project, that could save you thousands.
Consolidate debts & pay less
Roll in existing credit cards, loans and finance alongside your home improvement funds. Many clients end up with lower monthly payments than before—even with more borrowed.
Keep your existing mortgage
A secured loan sits alongside your mortgage—you keep your current rate and don’t pay early repayment charges. Perfect if you’re on a competitive deal.
Manageable monthly payments
Spread the cost over 3 to 30 years. Longer terms mean lower monthly payments, making even major projects affordable month-to-month.
Add value to your property
Many home improvements increase your property value. An extension or loft conversion could add more to your home’s worth than the cost of the project itself.
From quote to building work, made simple
Getting a secured loan for your home improvements doesn’t have to be complicated.
Chat with Albot
Tell us your project, property details, and if you’d like to consolidate any debts.
⏱ ~2 minsSee your options
We search 100+ lenders instantly and show you deals—including potential monthly savings.
⚡ Instant resultsExpert advice
A qualified adviser from Loan.co.uk (our group company) reviews your options.
👤 RegulatedGet your funds
Once approved, the money is transferred so you can start your project.
💰 Start buildingCommon questions about home improvement loans
Everything you need to know before you start your project.
How much can I borrow for home improvements?
You can borrow from £10,000 up to £1.5 million or more, depending on your property equity. Unlike personal loans which typically cap at £25,000, secured loans let you fund major renovations like extensions, loft conversions, and complete home makeovers.
Can I consolidate debts alongside my home improvement loan?
Yes—and this is one of the smartest ways to use a secured loan. Most of our home improvement clients also consolidate existing credit cards, loans, and finance. Because secured loan rates are typically much lower, many end up with lower monthly payments than before, even after adding their home improvement costs.
Will adding value to my home affect my loan options?
Lenders typically base your loan on your property’s current value, not the improved value. However, adding value through improvements can benefit you when you come to sell or remortgage in the future. Some projects like extensions and loft conversions can add significantly more value than they cost.
Do I need planning permission before applying?
Not necessarily. Many home improvements fall under permitted development rights and don’t need planning permission. For larger projects that do require permission, some lenders are happy to approve loans subject to planning being granted, while others prefer it to be in place first. We can advise on your specific situation.
How long does it take to get the funds?
Typically 2-4 weeks from application to funds in your account. This includes a property valuation and legal work. You’ll see your options instantly with Albot, and completion speed depends on how quickly valuations and paperwork are processed. We’ll keep you updated throughout.
Can I do the work myself or do I need contractors?
That’s entirely up to you. A secured home improvement loan gives you the funds to spend as you choose. You can hire contractors, project manage it yourself, or do a combination. The money is released to you, not directly to builders—giving you full control over your project.
Ready to start your project?
See what you could borrow in around 2 minutes. Add debt consolidation and you might pay less each month than you do now.
Check your optionsRepresentative 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.
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.