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Secured Home Improvement Loans

Secured Loans > Our Loans > Homeowner Improvement Loan

Home Improvement Loans

Need to raise finance for much-needed renovations? A home improvement loan from Evolution Money’s could help you get the funds you need.

Our application process is simple. And we offer loans of up to £50,000, so they’re suitable for large-scale home renovations – or virtually any other home-related purpose.

We offer flexible lending terms up to 20 years. We even offer no-obligation quotes. So, if you meet our qualifying criteria, you can start dreaming of a house that feels more like home.

What our happy customers say:

How much do you want to borrow?£5,000 to £50,000
For how long?1 year to 20 years
Monthly repayment
Total amount payable
APR Representative Variable READ MORE
This example is based on an average credit rating

Typical Example: Loan Amount: £10,000.00, Loan Term: 180 Months, Interest Rate: 19.56% PA (variable), Monthly Repayments: £188.00, Total Amount Repayable: £33,912. This example includes a Product fee of £1,000.00 (10% of the loan amount) and a Lending fee of £699.00. Read about our Rates and Fees.

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For one of our qualified agents to call you back at 9:00am tomorrow select get loan, alternatively to arrange a call back at a more suitable time tomorrow, select from the option.

Fair Processing Notice

Who we are:

Evolution Money Ltd, Progressive Money Ltd and Evolution Lending Ltd are all wholly owned subsidiaries of Darwin Loan Solutions ('the Group').

We take your privacy seriously and will only use your personal information to

A) Discuss loan offers and provide you with the products and services you have requested.
B) If you take out a loan with us and become our customer, it will also be used to manage your loan.

We'll keep your details for up to 12 months to enable us to help you with your loan application. If you don't take out a loan with us, we will delete your enquiry details unless regulations say we must keep them for longer.

This won't change any marketing preferences you've already chosen.

How we control and process your data:

Our companies hold and process your personal data in accordance with Data Protection law in the UK. We are committed to maintaining the privacy and protection of all personal data collected in connection with our broker and loan services. We may share your information with credit reference agencies and other companies for use in credit decisions, for fraud prevention and for debt collection purposes.


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We would love to tell you from time to time about offers and special deals on loans, insurance products and utility services which may save you money.

If you're happy to be contacted about these, please click the boxes to tell us how you want us to get in touch with you.

You can change how we contact you at any time by simply getting in touch with us on FPNandmarketing@darwinloansolutions.co.uk or 0161 814 9210.

Your choices do not affect your enquiry/loan application in any way.


Marketing Contact preferences - Our partners:

We would love to tell you from time to time about special offers and deals from our carefully selected partners.

If you're happy to be contacted by them please click the boxes to tell us how our partners can get in touch with you.

You can change how we contact you at any time by simply getting in touch with us on FPNandmarketing@darwinloansolutions.co.uk or 0161 814 9210.

Your choices do not affect your enquiry/loan application in any way.


Please read the full details of our Fair Processing Notice including Credit Reference Agency Information Notice (CRAIN) Click here to see a copy of the CRAIN.

If you agree to our Fair Processing Notice and want to continue to the next stage - click Agree.


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Our friendly Manchester-based team are ready to discuss your loan.

Please select a convenient time.

Make renovations affordable with a home improvement loan

A home improvement loan could be used to invest in your property. So whatever home improvements you want to finance, our expert advisers will take the time to understand your own personal circumstances.

Whether it’s a loan for a stylish 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 our customers than just their credit history, so we make sure to assess your application based on your unique personal and financial situation. That way, we know your payments will be affordable.

If you're looking to obtain credit, our secured loans can be used for a range of purposes

Carry out home improvements; a great way to invest back into your property
A wedding loan could turn your dreams into a reality
Bigger personal items such as cars can be financed using a secured loan
Take your family on that much needed holiday
Even if you have bad credit we could still help you with a loan

Questions you may have...

Can I use a home improvement loan to invest in my property?

A home improvement loan is an investment in your property. By trying to add value to your home through renovating and undertaking home improvements, you could be in a much better position to sell when the time is right. Also creating loft conversions and building extensions have become very popular in the current economic climate as the cost of moving house increases year on year.

Whatever home improvements you want to finance, you can be sure that our expert advisors will take the time to understand your own personal circumstances and then find the best loan option available to you.

What can I use a home improvement loan for?

If you are looking for a loan to make these improvements to your home, contact us. We’re happy to talk you through your loan options over the telephone.

Your home is your biggest asset and you should make the most of it. Listed below are a few ideas to increase the value of your home.

Create extra space

Creating an extra room with an extension, especially one that creates another bedroom not only improves the amount of space you have and benefits everyone living there, but it could increase the value of your home.

Alternatively, you may choose to extend upwards or downwards; converting your loft or cellar into another fantastic utility space or bedroom.

Kitchen Improvements

Today’s kitchen is often referred to as the ‘heart of the home’ and if you have an un-modernised, out-of-date kitchen in need of a makeover, Evolution Money could help you finance your improvement plans.

Whether you want to add new set of cupboards and worktops or a total refurbishment including new appliances, we could help you find a loan to make it all happen.

Bringing the outside in: Building a conservatory

A highly desirable aspect of home interiors, a new conservatory can breathe life into any home – bringing the outside inside. Along with creating additional living space and the opportunity to enjoy the garden whatever the weather, a conservatory is expected to add around 7% to the market value of a property.

Install a decking area or patio

Investing in a stylish decking area or patio can raise the appeal and value of a property by creating an additional entertaining space outdoors, even if your garden is relatively small.

Convert an outbuilding

If you are lucky enough to have an unused garage or outbuilding, it may be well worth considering a conversion. However, think twice about this if you only have one outbuilding that is already in use. For example, converting the only garage into an office or extra room may decrease the value of your home, particularly if the potential buyers are car owners.

Replace windows with double-glazing

The cost-effective benefits of double-glazing have never been more apparent, particularly during the winter months. Getting a home improvement loan to make your home more energy efficient will save you money on your heating bills each month. Double-glazed windows also add greater security and are far better at cancelling out noise.

Central Heating

If your home doesn’t have central heating, or even if your boiler has seen better days, you can use a home improvement loan to completely re-fit a new energy-efficient central heating system.

Want to know the approximate cost and timescales of your loan? Take a look at our handy loan calculator to see what your repayments might be on a Home Improvement Loan through Evolution Money.

Or, give us a quick call on 0161 814 9158 to talk through your loan needs and get a no obligation quote from our qualified loan advisors at Evolution Money.

Apply for my Homeowner Improvement Loan

How our customers rate us

We’re proud of the high standard of our customer service and believe that each of our customers should be treated as an individual.
Evolution Money 96 out of 100, based on 178 reviews over the past year. 178 user reviews. Read our reviews

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Our Address

Evolution Money,
9 Portland Street,
M1 3BE

Registered Company Number: 06987852

Contact by Phone

General Enquiries:
0161 814 9158

0161 814 9165

Contact by Email

Evolution Money Limited is a licensed credit broker and service provider to Evolution Lending Limited. If your application doesn’t meet the underwriting requirements of Evolution Lending Limited we may pass your information to other lenders and brokers. Evolution Money Limited is a company registered in England & Wales, registration number 06987852 and registered at 8 St John Street, Manchester, M3 4DU. Authorised and regulated by the Financial Conduct Authority, firm reference number 708324.

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