Home Improvement Loans

For most of us, our home is our largest asset and carrying out major home improvements will increase its value and provide us with more comfort. However, renovations such as extensions, new bathrooms or kitchens, do not come cheap – which is why a home improvement loan can offer a welcome solution.

Broadly, there are two types of home improvement loans to choose from.

Firstly, you can choose a secured home improvement loan – this is where you offer equity (usually your home) as security to the lender. This will place your home at risk of repossession if you fail to meet repayments. However, because of the security offered you can usually obtain lower home improvement loan rates and they are easier to acquire because you are less of a risk to the lender. Secured home improvement loans are usually available for large loan amounts (£10,000 and above) and so are suited to major renovations such as adding extensions.

Alternatively, you can opt for an unsecured home improvement loan. In this instance you do not have to place your property at risk, but as a result you will usually only be able to borrow smaller loan amounts. Though there are some instances where unsecured home improvement loans are offered on amounts over £10,000 they are generally at less competitive rates than secured loans.

Whichever home improvement loan option you choose, it’s vital to shop around in order to secure the best deal. The lower the annual percentage rate (APR), the lower the amount of interest you will have to repay each month. Also look out for hidden penalties such as early repayment charges and avoid paying out on expensive insurance policies as add-ons to your loan – cheaper insurance can often be found from stand-alone providers. Its often a good idea to ask your lender for the total repayment cost including all fees – this will give you a fair comparison of the cheapest deals available.

THINK MONEY LOANS
Think Money provide a range of financial solutions. One call and we will search our panel of lenders to find the right loan for you.
http://www.thinkmoney.com/

PERSONAL LOANS MADE EASY
Easy Personal Loans for any purpose, a fast decision whilst you wait. Apply using the quick online form or call today.
http://www.personalloansmadeeasy.co.uk/

OCEAN FINANCE       
Ocean Finance offer a range of any purpose loans that are arranged though well established and recognised lending finance institutions. Apply for a secured homeowner loan.Fast decision online.
www.OceanFinance.co.uk

NORTON FINANCE
Whether you’re considering secured or unsecured loans, Norton Finance will help you find the best loans with the lowest interest rate and the most preferential terms available to suit your individual circumstances.
www.nortonfinance.co.uk   

FIRSTPLUS        
FIRSTPLUS is a leading secured loan provider. At FIRSTPLUS we design a loan to suit your individual needs. You choose how much you want to borrow, and how long for.
www.firstplus.co.uk

FREEDOM FINANCE
One of the UK's leading national finance brokers in personal loans to homeowners and mortgages.
Instant online loan application.
www.freedomfinance.co.uk

TESCO              
Financial help and information from Tesco, Britain's leading retailer.
www.tescofinance.com/personal/finance/finance/loans/index.jsp

NORTHERN ROCK
Northern Rock offers a range of competitive Unsecured Personal Loans available to existing and new customers. You can use our loans for just about anything you want, subject to our lending policy. Whether you’re a first time buyer, moving home or want to remortgage, select the best mortgage deal to suit you from our range of mortgages.
www.northernrock.co.uk

SAINSBURYS BANK
You can enjoy exceptionally low personal loan rates, making so many things so affordable - a new car, home improvements, paying off credit card bills or other financial commitments.
www.sainsburysbank.co.uk

Loans4Tenants.com
As an independent finance broker offering to UK residents we have access to a wide variety of loan plans a number of which are exclusive to us. We will search the market on your behalf and find a loan that is right for you. Most of the loans we offer are provided by high street banks or other authorised banks in the UK.
www.loans4tenants.com

Personal Loan UK.com
Part of UK Finance Online Ltd, we have years of experience finding the right Secured Loans for Homeowners and Personal Loans for Tenants. We can arrange loans for most types of credit problems - mortgage orcredit arrears, CCJ's, IVA's or bankruptcy. So don't let having a poor credit history stop you getting that loan.
www.personalloanuk.com

CENTRAL CAPITAL
We will search the major banks and finance houses in the UK loans market and then come up with a deal that's right for you.
www.centralcapital.com

ALLIANCE & LEICESTER
Loans for homeowners of up to £50,000. We'll consider you even if you've been refused credit.
www.alliance-leicester.co.uk/securedloans/home.asp

BEST4LOANS
Are you looking for a secured loan to pay off some existing debts or carry out some home improvements? Are you looking for an unsecured loan at a competitive rate? Bad credit history, or refused credit?
www.best4loans.co.uk

BEST LOANS
Bestloans.co.uk searches hundreds of plans to find the right loan to suit your circumstances. No search fees, no credit checks and absolutely no obligation.
www.bestloans.co.uk

HOMELOANS DIRECT
Home Loans Direct specialise in secured home loans for residents in the UK. All transactions are completed privately on-line in the comfort of your own home. Enjoy a fast, hassle-free, no-nonsense service from a company that cares, with years experience, and the determination to get what you want!
www.homeloans-direct.co.uk