Established in 2003, we have lent over £27 million on behalf of our council partners.
If you are looking to fund home improvements or renewable energy solutions like solar panels, battery storage or heat pumps for your home, discover council funded loans by Lendology. We recommend that you carry out an independent retrofit assessment to find out which works are suitable for your home and budget.
Representative example. 4% interest fixed (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.
Loans are subject to status and are typically protected by a Title Restriction.
With fixed interest, no early repayment charges and the option to make overpayments at any time, our flexible loan scheme can be tailored to suit your individual circumstances.
Apply for a decision in principle today.
If you are a homeowner looking to finance repairs to your home, our home improvement loan could be the answer you have been looking for.
Apply for a decision in principle today.
Our lending decisions are made by people, not computers.
Lendology work in partnership with local councils to lend to eligible homeowners. Each local council has its own policy for interest rates and types of works. To discuss your circumstances and eligibility.
We understand that talking about money and applying for finance can be tricky, and we will work with you every step of the way.
We are happy to work with family members/supporting agencies if you would like help along the application process, however we will need your consent to doing so before we can speak to someone other than yourself. For customers identified as needing more support, we can arrange a face-to-face visit if needed. Your Case Manager is here to help and are fully trained to understand a wide range of financial circumstances.
Fill out our Application Form here or call us on 01823 461099 to complete an application over the phone. Want to find out more first? Complete our Contact Us Form to request a call back. A member of our team will get in touch within 2 working days.
Check your email for instructions to securely upload bank statements via Open Banking for an affordability check.
We’ll assess your application, run an affordability check, and conduct a credit search to confirm loan affordability. If we can’t provide a loan, we’ll do our best to signpost you for other support.
After our assessment, you’ll receive a personalised, conditional offer valid for six months—giving you plenty of time to make decisions that work best for you.
Once you’ve selected a contractor, share your quotes with us to move forward with the loan.
We’ll finalise the loan amount based on your quotes and send a Loan Agreement for you to review and sign.
With everything in place, you’re ready to begin your project! We can arrange deposits up front if required.
Once the work is completed, simply send us a copy of your contractor’s invoice, and we’ll release your funds to your nominated account.
Since 2005, Lendology has worked in partnership with South Gloucestershire Council to provide Responsible loans for homeowners. These loans help with essential home repairs, energy efficiency improvements, and the installation of low-carbon technologies like solar panels, heat pumps, and solar battery storage. With an annual interest rate of 4%, residents in South Gloucestershire can access these loans on fixed terms, regardless of loan size or personal circumstances.
To help spread the cost of bulk buying home heating for people living in off-gas homes, South Gloucestershire Council also offer a bulk buy fuel loan scheme.
Warm & Well For energy advice and information on grants for heating and insulation, South Gloucestershire residents can call 0800 500 3076. Services are delivered by Severn Wye Energy Agency in partnership with South Gloucestershire Council.
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.
Retrofit West serves as a crucial resource, providing extensive support to enhance the energy efficiency of homes. Whether you’re a homeowner in need of guidance or a retrofit professional, their advisory service spans Bristol, Bath & North East Somerset, and South Gloucestershire. From exploring energy-saving measures to navigating funding options, Retrofit West empowers you to make sustainable choices for your home.
For support with adaptations to your home, the Council provide information and advice at their Celestine Centre
The Council’s in-house repair service can provide support with both small and large home repairs South Gloucestershire Council Handy Van Service
Avon Fire & Rescue offer Home Fire Safety Visits and cover South Gloucestershire, Bristol and BANES and North Somerset.
Avon Fire & Rescue Fire Safety in the Home Flyer
Household & Financial Support from South Gloucestershire Council
To find more support with the following, please visit our Useful Information page
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.
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.
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.
If you repay your loan early, you will not be charged an early repayment fee.
