Home Improvement Loans

Fund your dream kitchen, conservatory or home extension with Proper Finance today

Our Lenders

We work with trusted brokers to give you access to a panel of leading lenders well placed to meet your needs.

Financially-Smart Home Improvement Loans

Home improvement loans allow you to borrow money at affordable rates that you can use to spruce up your home. Maximise your living space, quality of life and even increase the value of your home.

Proper Finance is a price comparison website and we help you to compare rates across the UK market for a range of financial products. For home improvement loans, we are partnered with Fluent Money who work with a number of FCA regulated lenders.

We can arrange loans from £10,000 to £500,000 and you can choose an affordable monthly repayment over 3 to 30 years that sits comfortably with your budget and your monthly finances.


Key Features of a Home Improvement Loan From Proper Finance

Loan Amount £10,000 to £500,000
Loan Term 3 to 30 years
Rates From 6.5% APR
Online Application Yes
Security Required Yes
Bad Credit Accepted Yes
Free to Apply Yes



What Is The Eligibility Criteria?

  • • Must be a homeowner and use your property as security i.e home or flat
  • • Must be at least 18 years of age
  • • Must be able to afford repayments
  • • Bad credit OK
  • • Do not need to be the outright owner of the property
  • • Self employed OK






Conservatory 108% £5,750 £5,300
Garden 88% £4,000 £4,550
Exterior 75% £4,500 £6,000
Extension 71% £14,000 £19,750
Roof 63% £2,600 £4,150
Floor carpets 50% £2,000 £4,000
Loft 50% £12,000 £24,600
Kitchen 49% £4,750 £9,600
Bathroom 48% £2,350 £4,900

Zopa’s Home Improvement Index



The Benefits of a Home Improvement Loan

In addition to increasing the value of your property, you can enjoy the extra living space in your home by making extensions. If you enjoy entertaining or have children, it can certainly help to have the extra play rooms and bedrooms.

With increased property prices and stamp duty, it can be less seductive to move home and instead renovating your existing home can be more appealing – especially since it means not having to move and change your address.

Have you ever dreamed of having your home office? With 1.5 million working from home last year, more and more workers are ditching the daily commute and setting up shop from their homes. So whether it involves converting your garage or loft into a study or home office can be a very exciting opportunity.

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What Can Home Improvement Loans Be Used For?

  • • Loft conversions, extensions and renovations
  • • Bathrooms
  • • Kitchens
  • Boilers, air conditioning and heating systems
  • • Conservatories
  • • Offices and garden offices
  • • New flooring, carpets and decor
  • • Gardens, swimming pools, gyms, tennis courts
  • • New roofs
  • • Electrics
  • • Garages and sheds





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