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Secured Home Improvement Loans

Secured Loans > Our Loans > Homeowner Improvement Loan

Secured Home Improvement Loans

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

We offer loans from £5,000 to £100,000 with repayment terms of 3 to 20 years. They’re suitable for large-scale home renovations or virtually any other home-related purpose.

You don’t need a perfect credit score either. We’ll look at your personal and financial circumstances overall, so you could still get a home improvement loan with bad credit.

Our application process is simple, and we even offer no-obligation quotes , if you meet our qualifying criteria.

You don’t just have to take our word for it either. Read our reviews to see what our customers have said about our service.


How much do you want to borrow? £5,000 to £100,000
For how long? 3 to 20 years.
Loan Purpose
What is your loan for? Your answer won't affect our decision but is helpful to know.
Is this a joint application?

What are secured 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 secured 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.

What are the benefits of a secured house improvement loan?

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 secured 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.

What are the risks of home improvement loans?  

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

Can I get a secured home improvement loan with bad credit?

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 application process is quick and easy too. Fill out our simple form to apply online or call us to speak to one of our expert advisers. Whatever home improvements you plan to finance, they’ll work to find the best home improvement loan option available to you.

Get a no-obligation quote   Call 0161 814 9158

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 plans into a reality
Bigger personal items such as cars can be financed using a secured loan
Take your family on holiday
Even if you have bad credit we could still help you with a loan

Questions you may have...

What can I use a home improvement loan for?

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.


Creating an extra room with a side or rear extension not only improves the amount of space you have and benefits everyone living in it, but it could increase the value of your home.

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

Kitchen improvements

The kitchen is the heart of the home. If you have an outdated kitchen in need of a makeover, we could help you finance your improvement plans.

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

Building a conservatory

Conservatories can breathe life into any home by bringing the outside inside. As well as creating additional living space and allowing you to enjoy the garden whatever the weather, conservatories can add property value to your property.

Install a decking area or patio

Investing in a 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 could be 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

Getting a home improvement loan to install double-glazing will make your home more energy-efficient and save money on your heating bills each month. Double-glazed windows also add greater security and are far better at cancelling out noise than a single layer.

Central heating

If your home doesn’t have central heating, or 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.

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

How much can I borrow?

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.

How long do I have to repay my secured home improvement loan?

You can choose to repay a home improvement loan in between 1 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.

How soon can I get a home improvement loan?

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.

What fees come with a home improvement loan?

We are upfront and honest about our loan fees. As well as your agreed home improvement loan rate, you’ll pay a Lending Fee of £714.00, depending on the loan amount and a Product Fee that is 10% of your loan. £1,000.

View a full breakdown of a representative loan.

View a breakdown of a representative loan.




Am I eligible for a secured home improvement loan with Evolution Money?

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

What if I’ve been turned down for a home improvement loan elsewhere?

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.

How do I apply for a secured home improvement loan?

Applying is simple. You can either fill out our online form with a few basic details or give us a call. Either way, you’ll get a free no-obligation quote from one of our advisers.

There are a few documents that it will help to have ready:

  • Proof of address (such as utility bills)
  • Proof of income ( or tax returns )
  • Proof of identity (a driving licence or passport)
  • Bank statements for up to the past three months
  • Your mortgage account number and home insurance documents

Get a no-obligation quote   Call 0161 814 9158



Why choose Evolution Money for a home improvement loan?

Here are a few reasons you can rely on us to help make your house a home.

  • We’ve already lent to over 26,500 customers with repayment terms to suit them.
  • We assess each applicant’s situation as a whole. A less-than-perfect credit history doesn’t have to stop you from making home improvements.
  • We’ve earned an excellent Feefo rating from over a thousand customer reviews, so you can have full confidence in our services.

We’re a member of the Finance and Leasing Association as well as being authorised and regulated by the Financial Conduct Authority.

Ready to find out the approximate cost and timescales of your home improvement loan? Apply online, or give us a call on 0161 814 9158 to talk through your loan needs and get a no-obligation quote from our qualified loan advisers.

Apply for my home improvement loan

Representative 28.96% APRC (Variable) - For a typical loan of £20,950 over 85 months with a variable interest rate of 23.00% per annum, your monthly repayments would be £537.44. Including a Product Fee of £2,095.00 (10% of the loan amount) and a Lending Fee of £714.00, the total amount repayable is £45,682.15. Annual Interest Rates ranging from 11.7% to 46.5% (variable). Maximum 50.00% APRC. The loan must be paid back by your 70th birthday. Read more.

Think carefully before securing debts against your home your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured against it. If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
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