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Ask the Expert - Home Improvement

• I am looking for a home improvement loan to pay for an extension to my house. I will need about £50,000 and am planning to extend my kitchen diner and to add a forth bedroom upstairs which will add at least £50,000 to the value of my home if not more. I am a homeowner with a mortgage and understand that homeowner loans can be cheaper than if I didn’t own my home, is this right? What is the longest term that is available please and how long will it take to arrange?

  Hi Linda, Thanks for your email regarding homeowner loans. Your are right in your assumption that generally homeowners can get better loan terms than tenants most of the time. Homeowners are seen as a lower risk by lenders and will […] read more

• Hi, We need around £15,000 for home improvements but don’t really want to secure it on our house. Can you still help us?

  Hi Stephen, yes we can still help. Unlike some homeowner loan companies we can arrange unsecured loans as well as secured ones. As long as you feel the monthly payment is affordable we could arrange £15,000 over a term of […] read more

• My architect has drawn up plans for a house extension over my existing garage – but the quotes I’ve been given mean that I’ll need a £34,000 loan in order to cover the costs. Despite my good credit score, the banks will only offer me a loan that’s almost £10k lower than what I need. I’m worried this could mean that I won’t be able to go ahead with my plans for the build. Do your finance deals extend to this price bracket? And how long would it take for me to pay off the total (I’d be looking to pay no more than £1.5k a month)?

  Hi there Andrew! It’s great news that you’ve got in touch – it sounds like we have exactly what you’re looking for. Extensions can be pretty pricey, and although the value that they add to a property makes them worthwhile, […] read more

• Dear Sirs, I am looking for help with getting a home improvement loan for around £30,000 to spend on a loft conversion for my house, however my credit history is not brilliant. My financial problems are now a thing of the past but I am finding it difficult to find a bank to give me an opportunity to prove this. Am happy to repay the loan back over 5 years as I have a good job and I don’t really want to secure the loan on my house as I don’t want to affect the really low rate mortgage deal that I have at the moment. The loft conversion would add much needed space to our semi-detached house and will increase the value of our house for when we eventually sell it. Can you also give me an idea of interest rate and payments over 5 years.

  Hi Simon and thanks for your email regarding home improvement loans. A loft conversion is definitely a sensible idea and much cheaper than moving home! We specialise in home improvement loans and work vey closely with lenders who understand not […] read more

• Hello, We are looking for some help and advice please. We are interested in buying a conservatory for our house and have been quoted £30,000 for something suitable by the local conservatory company. We do own our home but our credit history is not quite perfect due to my husband losing his job about two years ago and us getting behind on our mortgage and credit card payments. He is now fully employed again and we have caught up with all our debt but our bank and sainsburys bank have both said that they are unable to help us with a loan due to our bad credit history. We were recommended to you and understand you can arrange conservatory finance even if we have bad credit history. Is this correct and if so what sort of rates and terms could you offer us please?

  Hi Mrs Cotton, Thank you for your email regarding bad credit conservatory finance and thank you to your friend for recommending us. Your circumstances are certainly not unusual as a large percentage of the population suffers some kind of financial […] read more

• Hi, I have been recommended to you and understand that you may be able to help me find an unsecured £48,000 loan. I am looking to borrow £48,000 for a conservatory but don’t really want to secure it on my home as I am more than capable of the repaying the payments over a relatively short period. Can you let me know if this is possible in theory and give me an idea of payments?

  Hi Stewart, and thanks for your email regarding a large unsecured personal loan for a conservatory – and please pass on our thanks to your friend for recommending us! Arranging a £48,000 loan for you shouldn’t be a problem. At […] read more

• I’m looking for the best home improvement loan rates. Can you help?

  Hey there! In the world of finance, interest rates are dictated by credit scores. Bad credit holders present a greater level of risk for lenders – so if you’ve missed payments in the past, you may find that home improvement […] read more

• Do bad credit home improvement loans exist?

  Hello. This is a question we’re often asked – and the short answer is yes! If you’re looking to redecorate, renovate or even remodel your home but you’re worried about how your poor credit score might affect your chances, the […] read more

• Hi. I’m looking to have some work done on my house. My calculations tell me I’ll need a £37,000 loan for home improvement work. Is this something Pegasus Personal Finance could help with?

  Hello, thanks for your question about large personal loans. At Pegasus Personal Finance, we can offer large personal loans for up to £100k – so arranging a £37,000 loan for your home improvements shouldn’t be a problem. If you’re looking […] read more

• Dear Sirs, I am looking for help finding a lender who can provide a large £38,000 loan. I was hoping to make some home improvements to my house including a new kitchen and a loft conversion but my bank will only lend up to £15,000 unsecured and I didn’t really want to end up with a mortgage as I only have 10 years left to pay on my current home loan. Please advise as to whether you can help.

  Hi Mr Booth, and thanks for your email. I understand your frustrations, as many banks are only happy to arrange unsecured personal loans for up to £15,000 or £25,000 – depending on your circumstances and credit history. They tend to […] read more

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