Empty property loans

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 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.

Unlike other lenders, we are able to lend whatever the condition of your property.

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.

What do you need?

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 and don’t worry, it won’t impact your credit score.

Apply today

  • Renovation
  • Energy efficiency
  • Replacement Boilers
  • Central Heating Installations
  • Roofs
  • Windows
  • Electrics
  • Kitchens
  • Bathrooms
  • Structural Repairs
  • External Wall Insulation

Who can apply?

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 and don’t worry, it won’t impact your credit score.

Apply today

  • Empty property owner
  • No upper age limit
  • Retirees
  • In receipt of benefits
  • Self-employed
  • Poor credit history

What do we offer?

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 and don’t worry, it won’t impact your credit score.

Apply today

  • Borrow from £1,000
  •  Fixed interest rate
  •  Typical 4.2% APR
  •  No early repayment charges
  •  Range of loan types based on your circumstances
  • Flexibility to make overpayments of £100 or more
  •  Up to 15 year repayment period
  • Deferred repayment options

Loan Calculator

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

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Over what period of time?

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Land registry fee


Interest payable


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We are always happy to answer any questions you have about our empty property loans, or any of our other 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 makes a Lendology Home Improvement Loan for my empty property attractive?

Having a property lying empty is likely to be costing you money, particularly with extra council tax charges for those empty for more than two years.

Lendology’s Home Improvement Loan is a low interest loan which helps you to renovate, repair or convert a property which needs some much needed TLC. Similar to bridging finance but more competitive with no set up or early repayments fees, our loans are popular because we offer a Deferred Repayment option. This means you can start paying the loan back after the agreed ‘deferred’ period, usually between 6 months to 2 years. Interest accumulates during the deferred period at 4% fixed interest and there are no early repayment charges. If you decide to sell your property, you can repay the loan and accumulated interest on sale either before monthly repayments commence or at any time during the loan term.

Give your empty property the spruce up it deserves before moving in, renting it out or selling it on by making the most of Lendology’s Home Improvement Loan Scheme.

What is an Empty Property Loan?

By working in conjunction with your local council, Lendology work with you to understand your financial circumstances and the needs of your renovation project. Lendology are able to consider applications from individuals, charities, companies and those who are self-employed.

The funds are targeted to bring much needed properties back into use, and its your choice whether you then sell, rent or move into the property.

Each council has its own criteria on maximum borrowing, and your case manager will discuss this with you during a free, no-obligation chat about your project. Usually, home improvement loans for empty properties are available from £1,000 up to £30,000.

How do Empty Property Loans with Lendology work?

Lendology is a Social Enterprise lender working in partnership with councils to regenerate the private sector housing stock. Our home improvement loans offer a competitive alternative to bridging finance.

At Lendology, we look at the financial feasibility of a project – not just the type of property it is. This means we can be much more flexible in our approach, and offer loans in many cases where other lenders would not. This could include properties which are non-standard construction, ex-local council, or properties which have no working kitchen or bathroom.

With our offer of a fixed interest rate and no early repayment charges, you also have the flexibility to complete your renovation project and sell or rent the property before repayments commence.

How can Lendology help you?

It’s a simple process to apply for an Empty Property Loan, simply complete our application form and a case manager will be in touch within 1 working day.  Alternatively, call us for an informal chat about your empty property renovation project and finance needs.

Applying for a Home Improvement Loan with Lendology will not impact your credit score and people make our lending decisions, meaning we can be flexible in our approach to understand and support a wide range of projects.

Apply today, it won’t impact your credit score

Apply today

We work in partnership with councils

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