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.

Mortgage & Loan Guides

Read our experts’ latest advice on a wide range of mortgage options to the tax implications of buying properties to let.

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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

  • I went from not thinking I could get a mortgage, to mortgage approved in 2 weeks, and at a rate I never thought possible! The service provided by Jami...
  • Very well organised and friendly . Told us upfront what to expect and what it was gonna cost . Very honest with what they tell you . Always keeping yo...
    Oliver Cole
  • I was dealing with Jamie Money for my remortgage enquiry great communication, Kept me informed throughout the process and managed to save me money! wi...
    Michele Clark
  • Would highly recommend they were very helpful and it was a very easy process 👍👍
    Carl Dean
  • Great good quick service thank you
    Dale Bromell
  • The service I received from Matt was first rate. Sorted out a deal in very quick time with no fuss. I would strongly recommend this company.
    Mr Brandon
  • I have recently been dealing with Jamie Melling and it has been nothing but straight forward from the start. He has been very informative, answering a...
  • What a fantastic company this is so helpful and willing to go the extra mile to get things done Jamie money,Meghan,Rebecca and Olivia are amazing I wo...
    Emma Gregory
  • Good service so far.
  • This was my second property, but same comments as the first one. The chap I was dealing with, Karl, was great and very helpful. We got a good result...
    Jeffrey Peyton-Bruhl
  • We just want to thank Callum for being amazing. We honestly could not have asked for a better mortgage advisor, he put up with us calling all the time...
    Jessica Boyle
  • Callum was excellent highly professional and very approachable, I would definitely recommend the company to anyone that I know Shazad
  • kept in touch every step of the way. always responded quick to emails and my questions. kept in the loop constantly on each step of the process. fr...
    Hayley Reay
  • Very easy to deal with, good communication and service. Got me a mortgage with a high street lender when other brokers said they couldn’t.
    Mark Tomlinson
  • Morgage key have communicated with us through out, if they have only just checked to say Hi and if there was anything they could do Whilst waiting fo...
    Heather Twigg
  • Easy to deal with. Quick and efficient. Great customer service. Mortgage to meet my needs and a competitive rate. Also sorted life insurance too. Hig...
    Diane Franklin
  • The second time we have used mortgage key now and we are really happy. It was great to deal with Karl again, he gave us solid advice and we had a laug...
    Daniel Conelly
  • Super fast great comms will use again
  • Fantastic service. Offer issued within a week.
    Charlotte D
  • Great service, good communication and on the ball! I would recommend to a friend to use MortgageKey, helpful and polite. Thank you!
    Ann-Marie Smith

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