Homeowner Repair Loans

Do you own a property which needs home improvement? Are you a landlord with a property that needs restoration? At Lendology we are proud to offer a variety of homeowner loans to help you spread the cost of home repairs.

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

Apply today

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.

We provide a wide range of homeowner loans which take your personal circumstances – not your credit score – into account.

Whether you wish to invest in energy efficiency or renewable technology, adapt your home so it’s suitable for your needs in later life, or fund general home repairs or improvements, our affordable and flexible home loan scheme is here for you.

Your dedicated Case Manager will take the time to understand your unique circumstances and support you through the application process. Our decisions are made by people, for people and applying for a homeowner loan does not impact your credit score.

  • Applications welcome from homeowners of all ages, whether you are employed, retired, in receipt of State Benefits, self-employed, or have a poor credit history
  • No early repayment charges
  • Flexibility to make overpayments at any time
  • Fixed interest rate (representative 4.2% APR)
  • Range of loan products designed to be tailored to your needs
  • Deferred repayment options (subject to eligibility) to allow you to complete your project before making repayments
  • Up to 15 year repayment term on our capital repayment loans
  • Decisions made by people, not credit scores

Loan Calculator

Representative example. 4% interest fixed (Representative 4.2% APR)

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We are always happy to answer any questions you have about our homeowner improvement and repair loans, or any of our other individual loan schemes. If our Frequently Asked Questions do not answer your query, please contact us and a member of our team can support you.

Why does Lendology require a Title Restriction?

Lendology requires a Title Restriction as we lend local council funds to homeowners. The local council require repayment of the loan should the loan property be sold during the loan term. The Restriction is only in place whilst there is a balance due on the loan. When you have repaid your loan in full, we will deal with the removal of the Title Restriction at the Land Registry. There is no fee or charge for this.

If during the loan term you decide to sell or transfer the ownership of your home, your legal representative will write to us and request a loan balance on the date of sale, and we will remove the Title Restriction when the balance of the loan has been received.

What does a Title Restriction mean to you?

Our Title Restriction means that if the loan balance is still outstanding when you sell your property, Lendology will require its funds returned as part of this process. Your legal representative will write to us and request a loan balance on the date of sale, and we will remove the Title Restriction when the balance of the loan has been received.

If you are re-mortgaging your home, your legal representative will contact us for our consent. We consider each case on a case-by-case basis and are likely to approve your re-mortgage if your new mortgage is similar to your previous mortgage when you took your Lendology loan. If we do not consent to your re-mortgage, we will confirm to your legal representative the loan balance required to settle the loan.

We will never ask you to sell your property in order to repay the loan.

What is a homeowner loan?

When you apply for a homeowner loan with Lendology, every client receives the same fixed interest rate, regardless of the amount you borrow or your circumstances.

Our homeowner loans differ from our competitors because we are a social enterprise, meaning that any profits we make are reinvested into the local community. Our priority is making sure you get the funding and support you need throughout the application process, without affecting your credit score.

How do homeowner loans work?

When you need to finance repairs to your home – replacing a faulty boiler, fixing roofs, making structural repairs, and more – Lendology is here to help. But how exactly do homeowner loans work?

Firstly, you’ll need to be a homeowner to be eligible for a homeowner loan from Lendology. We will assess your personal financial circumstances to figure out if we can lend to you, how much you can comfortably borrow, and the duration of the loan. Your case manager will support you throughout the application process if you have any questions.

What type of homeowner loans do Lendology offer?

Home Improvement Loans
Home Improvement Loans with Lendology are flexible loans. This means that you can adjust your repayments if necessary. By offering you a fixed interest rate with no overpayment charges, you will know exactly what your payments are each and every month and be able to adjust if necessary. You can spread the cost of any home repairs over a 15 year period, but pay it off sooner if you prefer. We do not take your credit score into account and everyone receives a 4% fixed interest rate, regardless of how much you borrow.

Energy Efficiency Loans
Energy Efficiency Loans are the perfect solution for our eco-conscious homeowner clients. If you are keen to install renewable heating or energy-saving technology into your home, Lendology could support you with our energy efficiency loan. We aim to support you to lower your carbon footprint and reduce heat loss from your property – all whilst potentially adding value to your home and reducing your energy bills. If you have already secured government grant funding towards your sustainable home, you could apply for an energy efficiency loan to top-up any shortfall in funding.

Empty Property Loans
Empty Property Loans are our short-term, fixed interest loans which help you to repair or renovate an empty property which needs some TLC.  These loans are popular because we offer a Deferred Capital Repayment option, which means your monthly repayments can be deferred from a period of between 6-24 months, depending on the needs of your project. This deferred repayment scheme gives you the chance to sell the property and settle the loan and accumulated interest in full on sale, or to generate rental income before commencing monthly repayments.

Landlord Loans
Landlord Loans by Lendology support landlords to ensure their properties meet the Minimum Energy Efficiency Standards (MEES) or to fund general property repairs or improvements. Whether you have one tenanted property or a portfolio, our landlord loans support you with spreading the capital costs of repairs.

First Time Buyer Loans
First Time Buyer Loans are there to support you when you are going through the process of buying your first home. Whether you need to top-up your deposit, pay the solicitors fees, or even do some repairs as soon as you move in, we may be able to help you. We are flexible when it comes to qualifying for a first time home buyer loan, and we will take more into account than your credit history.

Buy Bulk Fuel Loans
Buy Bulk Fuel Loans are part of Lendology’s commitment to tackling the serious problem of fuel poverty. Do you live without mains gas? If so, we could help you bulk buy the fuel for your home, so that you aren’t without heating and hot water.

Apply today, it won’t impact your credit score

Apply today

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