Home Improvement Loans

Get the Money to Tranform and Add Value to Your Home


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Whether it’s extra space for a growing family or finally time for a new kitchen or conservatory, a home improvement loan could prove a better option than moving to a new home.

MortgageKey can help you find the ideal loan to fund your latest home improvements project.

Why Choose Us for Home Improvement Loans

A Personal Service

Our experienced and knowledge team provide a personal service with clear and friendly advice

Large Panel of Lenders

As we have access to a large panel of lenders, we can find the right loan to suit your circumstances, from £3,000 to £500,000.

Stress Free and Speedy

Our in-house team liaises with lenders on your behalf, with approved loans often transferred between 21 and 28 days.

No Obligation

Our advice comes with no obligation to take the loans available for you – so there’s no harm researching.

Award-winning mortgage and loans experts – ready to help you today

Our team of specialists will guide you through the process of securing a mortgage, buying a home or taking out a loan – finding the very best deals for you and your family.

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Hear from our Clients

Don’t just take our word for it, hear from our happy clients who we have helped through the mortgages and loans process.

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Home Improvement Loans – Your Questions Answered

Taking out a home improvement loan can give you immediate access to the funds you need to start your projects as the money is usually paid into your account within days of approval.

You can choose how long you want to be paying your loan back to help fix your monthly repayments, and at an amount that works for you.

Our loan calculator will give you an idea of what you could pay – although the final amount will depend on your personal and financial circumstances.

What are Home Improvement loans?

Home improvement loans are secured on your property allowing you to use the funds to update, renovate or improve your home. The loan is paid back through your monthly payments.

You must keep up your repayments on a mortgage or any other debts secured on it. Failure to keep up repayments could lead to the property being repossessed.

Using your Home Improvement loan

Whether it is a practical improvement like a new central heating system or a more adventurous project like a loft conversion, a home improvement loan is one step closer to a more pleasurable, and potentially more valuable, place to live.

You should carry out research before applying for your home improvement loan to find out exactly how much your project will cost, including labour and materials.

This will allow you to understand a realistic budget for your project, as well as having a contingency budget for any unexpected expenses.

What are secured and unsecured home improvement loans?

A secured home improvement loan must be supported by an asset such as your home itself (providing you have equity in it). Lenders tend to offer better interest rates and repayment options with your home as the key asset.

An unsecured home improvement loan often comes with fixed rates and less flexible repayment options as it is money loaned with the intention to use for home improvements, but you don't take the loan out against your house.

Home Improvement borrowing with MortgageKey

Our specialist loans arm, LoanKey, allows you to borrow from £3,000 to £500,000 over a timeframe that suits you – from three to 30 years.

From those of wanting to make minor home adjustments to homeowners dreaming of bigger things, our range of borrowing options can help you recreate a new home without selling up.

What our clients are saying

  • Zoe and Sally were both really professional but friendly. They are a credit to your company.
    Iain Pay
  • World class service from Day 1 to completion. Highly recommended. In particular the service from Georgia Hardcastle and Olivia Russell was fantastic -...
    Paul Hennessy
  • Great service from start to finish and good terms too. Hoping the solicitors are as good now completing the process.
    Paul H
  • Great team did everything spotlessly and didn’t have to be chased up
    Dale Sutherland
  • Excellent service and trusted help So efficient
    Mrs Diane Brown
  • Very efficient service from start to finish. Communication was exceptional and was always informed and guided every step of the way
    Michael Newbery
  • 5 Star Service
    John Kleinman
  • They have been so helpful every step of the way they have always been quick to rely to every email I’ve sent them. And help me get a decision in pri...
    Mr Terry Mcdonald
  • Quick and efficient service.
    Nic Phipps
  • Very helpful assistant. Straight swap and terms I was looking for, saved a few quid a month
    Bob hope
  • Great fast and friendly service
  • I have been dealing with Georgia Hardcastle at Mortgage Key, she is so helpful and have explained everything to me. I am a first time buyer and I was ...
    Pedro Amaral
  • Extremely professional service and courteous staff.
    Mr. Michael Rundle-Brown
  • Mortgagekey are an excellent mortgage broker service. Secured a mortgage with a high street lender within 4 weeks from DIP to full offer. Our case was...
  • Brilliant service, can’t fault
    Aimi Buchanan
  • My broker Rory was able to get me a mortgage where others had failed.A credit to the company.
    John Wilkinson
  • We recently used Mortgage Key. Everything was straight forward and done quickly, from the initial quote to receiving the mortgage offer we were kept...
  • A really good service, Quick and efficient, no stress at all. Knowledgeable staff, who were a pleasure to deal with. I would recommend them and defini...
    philippa Wall
  • Very professional and friendly approach. They managed to find a mortgage which matched all our requirements. Great service! Thanks a lot!
  • Great service from the beginning of the process.
    Bruno Cabral

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