Flexible Home Improvement Loans

The following local councils are involved in the lending scheme:

The following loan schemes are available:

Loans for homeowners aged 60 years or over to improve the warmth, comfort, safety or security of their homes. Find out more here.
Five year bridging loans for the purpose of bringing empty homes back into habitable use. Find out more here.

The Local Council is the lender and Lendology CIC administer the loans on behalf of the Local Council, working in partnership with Parity Trust Limited. Lendology CIC do not make the lending decisions for these loans. Lendology CIC provide administrative support to the local councils as sub-contracted by Parity Trust Limited.

To apply for a loan or find out more about the loan scheme criteria, visit the Flexible Home Improvement Loan website and select your local council. Alternatively, click on your local council logo above to visit their website direct.

If you already have a loan with one of the above local councils and have a query about your loan balance, your monthly direct debit, or you wish to settle your loan, please contact your local council in the first instance.

Explore council loans for other regions, visit our partner pages

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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.

Loan Calculator

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Your council

How much would you like to borrow?

Over what period of time?

The above example is for indication purposes only. Eligibility for all loans depends on your individual circumstances and your local council’s policy.

There are no early repayment charges. Interest is calculated daily and you can make overpayments at any time during your loan term.

Loans are subject to status and are typically protected by a Title Restriction against your property at the Land Registry. A Title Restriction means that you may not be able to sell your home without our permission unless the loan is fully repaid. 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.

Missing payments could affect your credit rating and ability to obtain credit in the future.

Interest rate

0%

Monthly payment

£0

Land registry fee

£20

Interest payable

£0

Total amount payable

£0