Home improvements
Dream big and make it real, bring your home to life.
How much could my loan cost?
Our calculator gives you examples for unsecured personal loans, from £2,000 to £35,000 over a loan term of 12 to 84 months.
If you are interested in a secured loan (a loan secured against your home), head over to our secured loans page and check your eligibility directly.
Rates and amounts shown on our calculator are only an indication and are not guaranteed. To check your eligibility for a personal loan, click on the check eligibility button. Our eligibility check won’t harm your credit score. Please note that credit is subject to status and the percentage APR rate you will be offered is dependent on your personal circumstances.
Make your dreams a reality with a personal loan for home improvements.
Here’s how using a loan for home improvements through one of our panel of lenders could be beneficial.
Fast funding
Home improvement loans can help you pay for renovations quickly.
Add value
Strategic home improvements could increase the value of your property.
Better budgeting
Spread the cost of expensive projects over time, making it easier to manage your budget.
Credit score
On-time loan repayments could improve your credit score.
Loans for home improvements can be either secured or unsecured. Secured loans are secured against your property and will attract a broker fee and a lender fee upon completion that may be added to the amount borrowed. Full details will be provided by the credit broker. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
For more information on secured loans click here to visit our dedicated page.
- Ease: A quick and easy online eligibility check that doesn’t harm your credit score.
- Clarity: You’ll know exactly how much you will be repaying, and when.
- Trust: We work with a panel of lenders and brokers to offer loan comparisons you can trust.
- Assurance: We’re part of the Secure Trust Bank PLC Group of companies which has been around for over 70 years.
Why V12?
In safe hands
- Trust us to help you check if you are eligible for a personal loan.
- We’re part of Secure Trust Bank PLC. An award winning retail bank, providing savings accounts and lending services to over 1 million customers.
- We only work with a select and trusted panel of lenders and brokers.
Be assured
- Quick and easy online eligibility check - with no harm to your credit score.
- Personalised rates - we show you the rate the lender will offer you based on your individual circumstances.
- We show you how likely you are to be approved with our eligibility score.
You’re in control
- Quick decisions from our lenders with key product information allowing you to make an informed choice.
- You'll know exactly how much you'll repay and when, before you commit to a loan.
- In some instances you could get your money within 2 hours of applying.
It's important to carefully consider the type of loan that best suits your needs as well as a term and amount that is suitable and affordable.
V12 Personal Finance is a credit broker, not a lender. V12 Personal Finance introduces you to a limited range of brokers or lenders who may offer you a loan. V12 Personal Finance does not work with the whole of the lending market, meaning other loans may be available to you elsewhere.
V12 Personal Finance does not give you any recommendation or advice. V12 Personal Finance acts for itself and is not impartial. It does not act for you or for the lenders or brokers it works with.
V12 Personal Finance receives a fixed or percentage commission payment from the lender or broker if you take out a loan. The commission it receives varies depending on the product and loan amount. Loan offers (if available) are shown in this order: unsecured loans followed by secured loans, ranked by the closest matched loan amount, term and lowest APR respectively. Before completing your application, you will be shown the commission arrangement between V12 Personal Finance and the lender or broker you have selected.
Credit is subject to status. You must be UK resident aged 18 and over, with a regular provable income. If you are a homeowner, V12 Personal Finance may provide you with details of loans secured against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
To make things easier, we'll share the information (including your personal details) that you confirm and provided during this eligibility check with our panel of lenders or brokers. We do this so that they can provide you with a quote for the loan you have requested and to save you from having to tell them again. Details of our panel can be found here.
You can read more about how we use your personal data in our privacy statement.