Secured Home Improvement Loans

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

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 If you have an outdated kitchen in need of a makeover, we could help you finance your improvement plans.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

We offer secured home improvement loans from £5,000 to £50,000, 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 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.

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.

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 between £299.00 and £699.00, 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.

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

• Are aged between 18 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.

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

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.