Lending Done Differently
Lending Done Differently
Lendology works in partnership with local councils to provide responsible home improvement loans. Our approach considers your individual circumstances alongside standard credit information.
The money we lend is provided by councils and recycled to help support more homeowners over time.
All applications are assessed individually, with decisions based on your circumstances and affordability.
The best place to start is seeing what support is available in your area.
Our loans are available to homeowners. Eligibility depends on your local council and your individual circumstances.
This may include people who are:
We don’t rely solely on credit scores. We look at your overall financial situation to make a fair and considered decision.
All applications are subject to eligibility and affordability checks.
Begin by checking what support is available through your local council, or speak to our team if you’d like to talk things through first.
If you’re ready to move forward, you can view the full application process to see what’s involved and how to apply online.
As part of your application, we’ll need to understand your income and outgoings to assess what’s affordable for you.
One way we may do this is through Open Banking, which allows you to securely share a read-only view of your transactions.
This helps by:
You remain in control at all times:
If your loan is approved and goes ahead, we will register a Title Restriction at the Land Registry. This helps protect the council funding so it can continue supporting other homeowners in the future.
What does the Title Restriction mean for me?
• You still own your home and can live in it as normal.
• If you decide to sell, remortgage or transfer ownership of your property, your solicitor or legal representative will contact us as part of the legal process.
• If you sell or transfer ownership while your loan is still outstanding, the
remaining balance will need to be repaid as part of the process.
• Remortgage requests are reviewed on a case-by-case basis and consent isn’t automatic
• Once your loan has been repaid in full, we will remove the Title Restriction.
We will never ask you to sell your home to repay your loan.
Start by checking what may be available in your area.
Check what may be available in your area, or if you’d prefer to find out more first visit our Help & Advice section.
If you’d like to talk things through before applying, our team is here to help.
We can provide:
Contact us to speak to the team.
