Home Improvement Loans
From £10,000–£500,000
Access funds for extensions, renovations, or upgrades:
- Free property valuation
- Exclusive to homeowners
- No upfront fees or hidden charges
- Plans available for all credit profiles
This will not affect your credit score
Why choose a Home Improvement Loan?
A secured home improvement loan allows you to fund large or small projects at competitive interest rates and over longer repayment periods than unsecured loans — in some cases up to 30 years.
Renovating rather than moving can reduce the disruption to family life, avoid costly relocation and legal fees, and help children stay in their schools and local communities.
You can even have more than one mortgage secured against your property, providing flexibility to manage your finances.
Most lenders offer 3- or 5-year fixed rates, giving you certainty that your repayments won’t change within that period.
Benefits
Spread repayments over a period that fits your budget
Avoid moving and the associated disruption and costs
Access competitive interest rates on secured finance
Flexible options for a wide range of credit profiles
A straightforward process:
How it works
Quick online application
Tell us a bit about you and your plansPersonalised review
We compare hundreds of loans from our comprehensive panel of leading lenders to find the best solution for your circumstancesReceive your loan
If approved, funds are typically released within two weeksThis will not affect your credit score
Customer Review
Why choose Optimise Finance?
Extensive experience
Our advisors hold specific qualifications to help you
Broad access
Our wide panel of lenders includes specialist providers and can offer competitive products, even if you’ve had some credit challenges
Approved and authorised
We are directly authorised by the Financial Conduct Authority
We take the time to understand your situation and match you with suitable products, giving you clear information so you can make an informed decision with confidence. Every quotation is free and confidential.
More about us
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