Home improvement loans. Fund your project.
We compare thousands of plans across the specialist market for extensions, conversions, kitchens and more. You keep your existing mortgage, with up to 50% lower broker fees.
What are you planning?
From large structural projects to energy upgrades and landscaping. If it improves your home, you can fund it.
New kitchen, new bathroom, redecorating throughout. The projects our customers fund most.
A full renovation done properly, not cut short by budget.
Wet room, en-suite, or accessible bathroom you actually enjoy using.
Single or double storey, side return or rear. Add space and property value.
Turn unused roof space into a bedroom, office, or bathroom without moving house.
Decking, garden rooms, outdoor kitchens, or driveways.
See what your project could cost each month.
Slide to match your numbers. A friendly estimate, no credit check to find out.
Fund it without touching your mortgage.
A home improvement loan is a secured loan (a second charge mortgage) that sits alongside your existing mortgage. 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 larger amounts and lower rates than unsecured personal loans, making bigger projects genuinely affordable. Many customers also consolidate existing debts at the same time.
Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home.
Three steps to fund your project.
No long waits. No confusing forms. Here's what happens when you use Albot.
Your property, what you're planning, and how much you need. Takes 90 seconds.
90 secondsAlbot searches the specialist secured loan market and shows what's available for your situation, with no credit check required.
Instant resultsA qualified adviser from Loan.co.uk reviews everything with you and manages the full application through to completion.
Dedicated adviserFaster, clearer, lower broker fees.
Thousands of plans compared in seconds, matched to your project.
Our broker fees are up to 50% lower than major competitors.
Qualified Loan.co.uk advisers handle your application end to end.
Checking uses a soft search. It won't show on your credit file.
“Great service and communication throughout. All our debts were consolidated and paid direct to the lenders, with enough left over to complete home improvements.”
“Jo and David were excellent from start to finish helping us with a second-charge mortgage. Communication has been excellent and we couldn't be happier.”
“Thank you for helping me get a much better deal, and a little extra to clear my credit card. I've saved £250 a month and I'm very grateful.”
“We were dealt with professionally, with discretion and without judgment. Such a difference knowing we can move forward with manageable monthly repayments.”
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.
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 debt secured on it.
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 and lender criteria.