Lending decisions for people, by people

Home improvement loans for homeowners, funded by local councils.

As a Social Enterprise lender, we understand your unique financial circumstances and we never put your interest rate up because of your credit history.

We disrupt traditional lending with our decisions powered by partnerships and people, enriching homes and lives through affordable finance.

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Representative Example (4% fixed interest rate, Representative 4.2% APR).

Loans are subject to status and are typically protected by a Title Restriction.

Borrow £5,000 over 60 months, £92.08 monthly repayments. Total amount repayable = £5,544.96, including £20 fee for registering the Title Restriction against your property at the Land Registry. The £20.00 fee is only payable if a loan is agreed by Lendology and you decide to proceed with a loan. We do not charge interest on the fee. A Title Restriction means that you may not be able to sell your home without our permission unless the loan is fully repaid. This is a financial promotion approved by Lendology CIC. Missing payments could affect your credit rating and ability to obtain credit in the future.

Home Improvement Loans

If you are a homeowner looking to make essential home repairs, improvements or adaptations, our home improvement loan scheme may be the answer you have been looking for.

We provide finance to a wide range of homeowners, including those who may be excluded from mainstream finance providers. There is no upper age limit for applicants, and Lendology welcome applications from people with a poor credit history, who are self-employed, or who have state benefits as their main income.

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Energy Efficiency Loans

Investing in your home now can reduce running costs in the future. Whether you are looking to improve the energy performance of your property, or reduce your carbon footprint, our energy loan scheme may be the answer you have been looking for.

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Renewable Energy Loans

If you are looking for funding for solar panels and battery storage, an air source heat pump, ground source heat pump, biomass heating system or other renewable energy measure for your home, a Lendology loan may be a good solution to support you with spreading the cost.

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Disability Adaptation Loans

If you are looking to make adaptations to your home, a disabled facilities loan may be a good solution.

Working in partnership with local councils, Lendology understands that you may wish to adapt your home rather than moving.

Apply for a decision in principle today and don’t worry, it won’t impact your credit score.

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Landlord Loans

Whether you have one property or a large portfolio owned in your sole name or as a limited company, our deferred repayment loan scheme can support you to maintain your investment.

Our local council partners are keen to ensure a healthy private rental sector across their districts, and we are here to finance your repairs or minimum energy efficiency standard improvements.

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Empty Property Loans

It is likely that your empty property is costing you money, and securing finance can be challenging due to the condition of your property.

We lend on a wide variety of properties and renovation projects, without the usual constraints of mainstream lenders. Our deferred repayment loan options ensure you do not have to commence repayments on your loan until you have either sold, rented or moved into the property.

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Established in 2003, we have lent over £20 million on behalf of our council partners.

Our sensible lending solutions take the needs of your repair, renovation or renewables project into account. Whether you’re looking to finance works to your home, invest in renewables, improve your private rental portfolio, or finance renovations to your empty home, our range of loan schemes are here to help.

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What makes our loans so attractive?

We welcome applications from all homeowners no matter your age, employment status or credit history. At Lendology, decisions are made by people, not credit scores. With fixed interest, no early repayment charges and the option to make overpayments at any time, our flexible loan scheme can be tailored to suit your individual circumstances. We really are here for all homeowners.

Find a loan for youMore about us

  • Borrow from £500
  • No early repayment charges
  • Overpay £100 or more off your loan at any time
  • Range of loan types based on your circumstances
  • Fixed interest rate
  • Representative 4.2% APR

Read our full Social Impact Report

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We work in partnership with councils

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