Our loans for home repairs, improvements and adaptations

We understand the expense of maintaining your home which is why we work with you to take the stress out of funding repairs, improvements or adaptations.

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

Apply today

Lending with heart and mind, we see you as an individual, not a credit score.

This means that we don’t use credit scoring or computer algorithms to make our lending decisions. Our knowledgeable team of advisers will guide you through the application process. We will assess your eligibility, how much you could borrow and the loan best suited to your circumstances.

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

Apply today

  • 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 (typical 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

Typical example. 4% interest fixed (typical 4.2% APR)

How much would you like to borrow?

Over what period of time?

Monthly payment

£0

Land registry fee

£20

Interest payable

£0

Total amount payable

£0

Apply today, it won’t impact your credit score

Apply today

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