Established in 2003, we have lent over £27 million on behalf of our council partners.
If you’re a homeowner, private landlord, or owner of an empty property in Cornwall, you may be eligible for a council-backed home improvement loan to help with the cost of essential repairs, home adaptations, or energy efficiency upgrades such as insulation, heating systems and solar panels. This finance is delivered in partnership with Cornwall council, giving you the support you need to keep your home secure, efficient and fit for the future.
We recommend that you carry out an independent retrofit assessment to find out which works are suitable for your home and budget.
Representative example. 4% interest fixed (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.
Loans are subject to status and are typically protected by a Title Restriction.
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.
Start your home improvement journey today.
If you are a homeowner looking to finance repairs to your home, our home improvement loan could be the answer you have been looking for.
Check your borrowing options. It’s quick, easy, and no obligation.
Our lending decisions are made by people, not computers.
Lendology work in partnership with local councils to lend to eligible homeowners. Each local council has its own policy for interest rates and types of works.
To discuss your circumstances and eligibility, please contact us.
See what’s possible. No strings attached.
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.
Upgrading your home should be easy. The Home Improvement Loan is designed to help people who might find it hard to get a loan from a regular bank - such as older residents, those with low incomes, or people with health issues.Homeowners and landlords can borrow up to £25,000, while park home residents can borrow up to £10,000.
An Empty Property Loan from Lendology is designed to allow you to fund renovations and repairs at a competitive rate, in order to bring empty properties back in to use.Loans of up to £25,000 or £60,000 may be available depending on your plans for the property, including whether you intend to occupy, rent, sell, or remortgage.
For home adaptations, start your search at Home Solution - Cornwall Council. Only applications referred by the council will be accepted.Top-up loans of up to £30,000 may be considered.
The climate emergency and the rising cost of energy is causing us all to worry about the future of our planet and our household budgets.
Community Energy Plus provide free, impartial energy advice to people living in Cornwall.
To find more support with the following, please visit our Useful Information page.
Our lending decisions are made with people, for people, based on your situation, not just your credit score. You’ll always speak to a real person who’s here to help, not judge.
Our loans are tailored to your circumstances, with affordable repayment plans and the freedom to settle or overpay at any time — helping you save money and reduce interest.
Know exactly what you’ll repay. Your monthly repayment amounts are fixed for the lifetime of the loan, giving you stability and peace of mind.
If you repay your loan early, you will not be charged an early repayment fee.
