Home Improvement Loans

Home Improvement Loans allow you to borrow money to fund renovation projects on your property. You’ll then repay the loan in instalments, plus interest, over a set period. With a Home Improvement Loan, you’ll be securing the loan against your property.

People typically use these loans to create more space. It’s also common to use home improvement financing to add property value by funding upgrades that buyers would be willing to pay more for.

A Home Improvement Loan is an investment in your property. You could put yourself in a better position to sell when the time is right – or save on the cost of moving by enhancing what you already have.

Choosing a Home Improvement Loan has other benefits too. Using your property as security puts less focus on your credit score, so you could find it easier to get approved if you’ve been turned down for an unsecured loan in the past.

Offering security could also help you access higher loan amounts, making this type of loan ideal for larger renovation projects.

While we conduct an assessment to ensure each loan is affordable, borrowing money always comes with a degree of risk. With a Home Improvement Loan, if you repeatedly fail to make your agreed repayments you could put your home at risk of repossession.

Be it for a new kitchen or additional space like a conservatory, we’re open to helping as many people as we can whether they’ve had credit problems in the past or not.

We know there’s more to you than your credit history, so we’ll make sure to assess your application based on your unique personal and financial situation. That way, if approved, you could get a Home Improvement Loan with bad credit.

Our eligibility checking process is quick and easy, too. Just fill out our simple online form or call us to speak to one of our advisers. Whatever home improvements you plan to finance, they’ll work to find the best Home Improvement Loan option available to you.

Your home is your biggest asset – and getting a loan could help you make the most of it. Below are a few ways people use our secured home improvement loans.

• Extensions
• Kitchen improvements
• Building a conservatory
• Install a decking area or patio
• Convert an outbuilding
• Replace windows with double-glazing
• Central heating
• Home improvement projects
• Debt consolidation

We offer secured home improvement loans from £5,000 to £100,000, depending on your eligibility. That’s enough to fund a wide range of home improvement projects.

You can choose to repay a home improvement loan in between 3 and 20 years with Evolution Money. You’ll usually pay back less money overall with a shorter term, but the instalments can be more manageable with a longer term.

We always aim to fund approved loans as quickly as possible. In the past, we have been able to transfer funds to customers within a few days of their application being approved, but this will depend on how quickly we receive all your documentation, among other factors.

Read more about our secured loan process.

You can apply for one of our secured home improvement loans if you:

• Are aged between 21 and 70 years old
• Have a mortgage Live in the UK
• Can afford the repayments from your regular income

You don’t need to give up hope if you’ve been rejected for a loan in the past. We look at more than just your credit report, so you could still get a secured home improvement loan with bad credit.

Submit your details and find out if a Home Improvement Loan is right for your without affecting your credit score.