Established in 2003, we have lent over £27 million on behalf of our council partners.

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Apply for a Loan

The Application Process

To discuss your circumstances and eligibility complete our Online Application Form. Your dedicated Case Manager will review your application and contact you within 2 working days. Our Case Managers are fully qualified to industry standards to support you. 

There is no obligation to proceed with a loan. 

To find out more details relating to your council scheme, visit our Council Partner Pages.

Start your home improvement journey today.

Step 1
Submit Your Application
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.
Step 1
Step 2
Connect With Open Banking
Check your email for instructions to securely upload bank statements via Open Banking for an affordability check.
Step 2
Step 3
Application Review
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.
Step 3
Step 4
Receive Your Offer
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.
Step 4
Step 5
Submit Your Quotes
Once you’ve selected a contractor, share your quotes with us to move forward with the loan.
Step 5
Step 6
Finalise Your Loan
We’ll finalise the loan amount based on your quotes and send a Loan Agreement for you to review and sign.
Step 6
Step 7
Get Started!
With everything in place, you’re ready to begin your project! We can arrange deposits up front if required.
Step 7
Step 8
Receive Your Funds
Once the work is completed, simply send us your invoice and supporting documents specific to your council area (your Case Manager will guide you on what’s needed), and we’ll release your funds to your nominated account.
Step 8

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.

Start your home improvement journey today.

Complete our application form
Customer
Partner
Apply for a Loan