Established in 2003, we have lent over £27 million on behalf of our council partners.
Established in 2003, we have lent over £27 million on behalf of our council partners.
An Empty Property Loan from Lendology is designed to allow you to fund renovations and repairs at a competitive rate. Whether you are a landlord, an experienced property developer, or have inherited a property, our Empty Property Home Improvement Loans can help you get your property ready for renting, selling or moving into.
Apply for a decision in principle today.
Representative Example (4% fixed interest rate, Representative 4.2% APR).
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.
Loans are subject to status and are typically protected by a Title Restriction.
Whether you’re looking to sell, rent or move in yourself, our flexible approach is tailored to ensure you achieve your goal.
We offer a deferred repayment loan of up to two years. This means that you don’t start making repayments until your project is complete.
Whether you have inherited a rundown property and are looking to make improvements before selling, or need a cash injection to complete your renovation project, our empty property loan scheme may be the answer you have been looking for.
Apply for a decision in principle today.
If you own an empty property and are looking to bring it back into use, we may be able to help.
Apply for a decision in principle today.
All our loans have fixed interest, no early repayment charges and the option to make overpayments at any time. We have a range of repayment options and loans may be offered with a deferred repayment period of between 6 and 24 months, giving you the flexibility to renovate your property before repayments begin (subject to eligibility).
Apply for a decision in principle today.
We understand that talking about money and applying for finance can be tricky, and we will work with you every step of the way.
We are happy to work with family members/supporting agencies if you would like help along the application process, however we will need your consent to doing so before we can speak to someone other than yourself. For customers identified as needing more support, we can arrange a face-to-face visit if needed. Your Case Manager is here to help and are fully trained to understand a wide range of financial circumstances.
Fill out our Application Form here or call us on 01823 461099 to complete an application over the phone. Want to find out more first? Complete our Contact Us Form to request a call back. A member of our team will get in touch within 2 working days.
Check your email for instructions to securely upload bank statements via Open Banking for an affordability check.
We’ll assess your application, run an affordability check, and conduct a credit search to confirm loan affordability. If we can’t provide a loan, we’ll do our best to signpost you for other support.
After our assessment, you’ll receive a personalised, conditional offer valid for six months—giving you plenty of time to make decisions that work best for you.
Once you’ve selected a contractor, share your quotes with us to move forward with the loan.
We’ll finalise the loan amount based on your quotes and send a Loan Agreement for you to review and sign.
With everything in place, you’re ready to begin your project! We can arrange deposits up front if required.
Once the work is completed, simply send us a copy of your contractor’s invoice, and we’ll release your funds to your nominated account.
Because our loans are funded by local councils, what’s on offer may vary depending on where you live. Choose your local council to check your eligibility and get started.
