What’s a home improvement loan?

Thinking of giving your home a new look?  Improving your home has the potential to add value to your property and change the way you live.  Financing improvements doesn’t have to be difficult; a home improvement loan could help you get the money in place to fund your project. Whether you want to modernise your kitchen, convert your loft, re-carpet your living room or simply freshen things up, home improvement loans can provide you with the money you need to complete your transformation.

A lot of lenders offer home improvement loans, and in reality, they are no different to a personal loan.

Loanbuzz can help

We understand that organising a home improvement loan might feel complicated, but it really isn’t. At Loanbuzz, we make comparing and applying for a home improvement loan simple and straightforward. We’ll find you a lender that’s best placed to help based on your personal circumstances and needs.

  • We only show you loans that you’re likely to be accepted for
  • You’ll get offers straight away from lenders
  • We present exclusive loans, tailored to your circumstances
  • We keep your details private, so you won’t get any hassle from third parties

The repayments you make will depend on your situation and the amount of the loan you apply for.
You must be a UK resident over 18 years old to apply.

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​How can a home improvement loan help you?

Not many people have enough spare cash set aside to fund home improvements. So even though there are obvious short and long-term benefits, some projects never get going due to the upfront costs. A home improvement loan could help you get the most out of your property sooner rather than later.

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What’s the cost of a home improvement loan?

A home improvement loan can be a great way of giving your home the attention it needs. When comparing the cost of all types of loans, it’s worth understanding the factors that impact the total amount that you’ll repay – including the annual percentage rate (APR) and any charges.

Here’s some things to look out for, and how Loanbuzz can help:

  1. We show you the actual APR you’ll be charged

    1. Most comparison sites and lenders simply show you a representative APR. However, only some people will get the interest rate as advertised – meaning that a large number of applicants will pay more. At Loanbuzz, we show you the Truerate: a figure including the entire cost of your loan.
  2. We compare loan offers without harming your credit rating

    1. A less-than-perfect credit rating can still be accepted for a loan; however, you might be charged a higher interest rate. At Loanbuzz, we display quotes from lenders that include the true APR you’ll be charged alongside the likelihood you’ll be approved – all without affecting your credit score.
  3. We only work with lenders who offer a fixed interest rate

    1. Some personal loans have variable interest rates, allowing them to change over time. For this reason, if you’re struggling to afford initial repayments, avoid this type of loan. At Loanbuzz, we only display fixed-rate offers, so you know exactly how much you will pay each month until the loan is fully repaid.
  4. We flag up any arrangement fees

    1. Some lenders charge an arrangement fee, which could make a loan more expensive. At Loanbuzz, we’ll always show you the APR and the total amount repayable for each lender (including any arrangement fee, interest and other charges), so you can easily compare the total cost of loans available.

Ready to compare Home Improvement loans ?

Use our personalised search to find your loan first time without harming your credit score

check your eligibility for a loan

Make your house a home

Want to give your home the attention it deserves? Simply fill out your contact information, the amount you’d like to borrow, and details about your residential status, income and employment through the button below. We’ll find an ideal lender who can offer the best home improvement loan available for you, with a repayment plan to suit.

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We're choosy about who we work with

Every lender we work with is a reputable company, fully authorised and regulated by the Financial Conduct Authority (FCA). We know they’ll treat you fairly and be transparent.

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What makes us different?

Loanbuzz was designed to help consumers compare loans with confidence. We think the days of showing only headline interest rates that tease users into applying for products they may not be eligible for needs to end. Loanbuzz aims to make it easy to apply for loans by ensuring every product you see is a pre-approved or agreed in principle offer from a lender.

  • We’ll always be straight with you.
  • We’ll always work hard to find a lender for your circumstances, every time.
  • We’ll always show you True Rate offers — you’ll know if you can apply and be successful.
  • We’ll always hold our lenders to a very high standard. All of our lenders are authorised and regulated by the FCA.

  • We’ll never take risks with your personal data - we only share it with our trusted panel of lenders, in order to ensure you find a suitable loan.
  • We’ll never contact you without your permission.
  • We’ll never put loans higher up your results table, just because they’ll earn us more money.