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Home Improvement and Energy Efficiency Loans in North Somerset Council

The North Somerset loan scheme is currently closed to new applications. Loans are now only available through direct referral from North Somerset Council.

The scheme is exclusively for homeowners and private landlords in North Somerset.

Understanding Your Repayments

Use this loan calculator to estimate your repayments — you’ll see final figures during application.

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

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How much would you like to borrow?
£
Over what period of time?
 year(s)
Interest rate
Monthly payment
£
0.00
Land registry fee
Interest payable
£
0.00
Total amount payable
£
0.00

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Representative Example (4% fixed interest rate, Representative 4.2% APR).

Borrow £5,000 over 60 months, £92.08 monthly repayments. Total amount repayable = £5,544.96, including a £20 Land Registry fee. Loans are subject to status and are typically protected by a Title Restriction. 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 not a mortgage. Missing payments could affect your credit rating

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Loans are subject to status and are typically protected by a Title Restriction.

Helping-homeowners-to-feel-safe-and-secure-in-their-homes
Home Improvement Loans
Whether you need to repair ageing features, modernise your property or carry out essential upgrades, home improvement loans can help North Somerset homeowners spread the cost of maintaining a safe and comfortable home.
Woman holding a tablet with a home graphic and energy efficiency scale on the screen
Energy Efficiency Loans
Improving insulation, upgrading heating systems or installing energy-saving measures can make a big difference to comfort and energy bills. Energy efficiency loans help North Somerset residents invest in warmer, more efficient homes.
row of terrace red brick UK houses, all with solar panels on the roof
Renewable Energy Loans
For homeowners considering solar panels, battery storage or low-carbon heating systems, renewable energy loans provide a practical way to spread the upfront cost of greener technology.
smiling senior man stood outside a stone building, with folded arms
Landlord Loans
Landlords with rental properties in North Somerset can access flexible funding to carry out repairs, improvements or energy upgrades, helping ensure properties remain safe, compliant and attractive to tenants.
a loft space with the roof in a state of disrepair
Empty Property Loans
If you are renovating a vacant property, an empty property loan can help fund repairs and refurbishment works, supporting efforts to bring unused homes in North Somerset back into use.
An elderly woman uses a stair lift in order to help her use her home freely and independently
Disability Adaptation Loans
For homeowners in North Somerset needing to adapt their property, accessible funding is available to support essential home modifications, helping create safer, more practical living spaces.

Support in Your Local Area

Discover local organisations and services offering practical advice, financial guidance, and community support to help you stay safe, warm and independent at home.

Not sure what work you need? These organisations can help you plan safely and confidently. If you’d rather talk to someone, our team is happy to help.

To help spread the cost of bulk buying home heating for people living in off-gas homes, North Somerset Council also offer a bulk buy fuel loan scheme.
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The Centre for Sustainable Energy is a charity supporting people across the UK to tackle the climate emergency and end the suffering caused by cold homes. Their energy advisors improve people’s mental and physical health by offering free advice to reduce energy bills and cut carbon emissions.
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The West of England Combined Authority has funded The Retrofit West Advice Service to provide free, expert advice and resources to help you make energy-saving improvements to your home, reduce your carbon footprint, and save money on your energy bills.
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We Care Home Improvements want people to live comfortably and independently at home for as long as they choose, enabling them to enjoy their lives in the surroundings they love.Their support includes specialist advice on home adaptations and accessible bathrooms.They also provide home improvement and repair services in the Bristol, Bath and North East Somerset, North Somerset, Gloucestershire and South Gloucestershire areas. They also provide support for individuals that are leaving hospital and completing minor repairs such as fixing a leaking tap.
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Avon Fire & Rescue offer Home Fire Safety Visits and cover South Gloucestershire, Bristol and BANES and North Somerset.
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For more guidance on topics such as finding contractors, money advice, energy efficiency, support for people over 55, future planning and probate, or the planning process, please visit our Useful Information page.
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People first always

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.

How It Works

Flexibility on repaying

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.

How It Works

Fixed interest rates

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.

How It Works

No early repayment charges

If you repay your loan early, you will not be charged an early repayment fee.

How It Works
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