Home Improvement Loans
Invest in your home with a home improvement loan. We’ll help you find the best rates, with personalised quotes from specialist lenders.
Loans from £10K to £250K
No hidden fees
No upfront credit checks
All credit types considered
Repayment over 3-30 years
100% LTV products available

Get the funds you need, when you need them.
Home improvement loans in 3 simple steps
Arranging a home improvement loan has never been simpler. Find the best rates on the market in just a few minutes.
Check eligibility
Let us know your details, the amount you need, and information about your property, and we'll check your eligibility.
Get matched
Once we receive your details and confirm you're eligible for a loan, we will match you with a an advisor or lender that suits your circumstances.
Receive funds
With your approval, the necessary property and legal checks are carried out. Once everything's cleared, the lender will release your funds. We always work to get this to you as soon as possible.











Customer testimonials
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Why use a secured loan
Lowest rates
By using your property as collateral you’re able to access much lower interest rates than a personal loan.
Higher loan amounts
Depending on the equity in your property, secured loans can let you borrow significantly more than an unsecured loan.
Longer repayment terms
Secured loans can offer longer repayment terms, making them a great option for larger loans.
Property as collateral
Because your property is used as a guarantee it’s important to keep up with repayments. Missing them could put your property at risk.
All credit types welcome
Consolidate debts
Give yourself some wiggle room by consolidating debts into one affordable monthly payment.
Up to 30 years repayment terms
Our dedicated team is here to guide you through the loan process and provide personalized support.
Loans for any purpose
Whether it’s a new vehicle, improvements to your home, or paying of credit cards we have you covered
Solutions tailored to you
Get expert advice from qualified advisors who will ensure your next step is the right one
Won’t harm your credit score

Home Improvement Loans for any purpose
A new kitchen, renovations, energy upgrades, or perhaps some breathing room – we have you covered.
Enhancing Your Home's Comfort and Functionality
Transform your living space into a haven of comfort and functionality with our home improvement loans. Whether it’s upgrading your heating system, installing a new bathroom, or expanding your living space, we provide the financial support you need to make your home fit your lifestyle perfectly.

Home improvements and renovations
From sprucing up the garden to adding a new conservatory, use our loans to bring your home improvement dreams to life without denting your current savings.
Increasing Property Value
Investing in your home can significantly boost its market value. Our loans are designed to help you fund projects that enhance your property’s appeal and functionality, from kitchen remodels to landscaping, ensuring a profitable return should you decide to sell.
Energy Efficiency Upgrades
Improve your home’s energy efficiency with upgrades like new windows, insulation, or solar panels. Our loans can help you fund these environmentally-friendly improvements, which can reduce your utility bills and increase your comfort, all while supporting your commitment to a greener lifestyle.
Adapting Your Home to Changing Needs
As your family grows or your needs change, your home should evolve too. Our home improvement loans support modifications that enhance accessibility or functionality, such as creating more open spaces or adding a home office, making your home a perfect fit for your changing lifestyle.
Why Squared?
Navigating secured loans might seem like a complex puzzle, but with Squared Money, every piece fits just right. Here’s what sets us apart:
Quick and simple
Begin with our straightforward online form. Within minutes, you’re on your way to securing the finance you need. No jargon, no fuss.
Bespoke solutions
Everyone’s financial landscape is different, and we respect that. After understanding your needs, we handpick loan proposals that sync perfectly with your situation.
Protecting your financial footprint
Our initial assessments utilise soft searches, ensuring no adverse impact on your credit profile.
No hidden fees
Hidden charges? Not on our watch. With Squared Money, you’ll always know exactly where you stand. No surprises, just clear, squared-up facts.
Competitive interest rates
Benefit from our competitive interest rates, ensuring affordable repayment options tailored to your needs.
Fast approval
Experience swift approval decisions, allowing you to access funds promptly for your financial goals.

Home Improvement Loan Guides & Resources
If you’re interested in learning more about home improvement loans and how they could benefit your financial situation, we invite you to explore our comprehensive resources. Our guides cover everything from the basics of what home improvement loans are to more detailed aspects like how they can impact your credit score and the specific requirements for securing a loan against property.
You’ve been dreaming of a modern kitchen, a cozy loft conversion, or a garden oasis perfect for summer gatherings. But as you start pricing out the work, the reality hits—renovations don’t come cheap. This is where home improvement loans come into play, offering a way to finance your dream home without waiting years to save up.
This guide walks you through everything you need to know about home improvement loans, from how they work to deciding if they’re the right choice for your situation.
When planning a home renovation, the choice of financing can feel as critical as picking the perfect tiles or paint colour. For many homeowners, the decision boils down to whether to choose a secured loan or an unsecured loan. Each option has distinct advantages and drawbacks, making it essential to understand which aligns better with your financial situation and renovation goals.
In this guide, we’ll explore the differences between secured and unsecured home improvement loans, weigh their pros and cons, and provide practical examples to help you make an informed decision.
Choosing between a fixed-rate or variable-rate home improvement loan can feel like a daunting decision. Both options come with unique benefits and risks that can significantly impact your budget, repayment strategy, and overall borrowing experience.
In this guide, we’ll explain the differences between fixed and variable-rate loans, explore the pros and cons of each, and provide actionable advice to help you decide which option aligns best with your financial goals.
Frequently Asked Questions
Find answers to common questions about our home improvement loans.
A home improvement loan is a type of financing specifically intended to fund renovations and improvements to your home. These loans can be either secured or unsecured, depending on the amount needed and your financial circumstances. At Squared Money, we offer flexible home improvement loans to help you enhance the value and comfort of your home.
Homeowners looking to upgrade, refurbish, or extend their properties are eligible to apply for a home improvement loan. Whether you’re planning a major renovation or minor updates, you can apply for financing through Squared Money as long as you meet our lending criteria.
At Squared Money, you can borrow from £10,000 to £250,000 for your home improvement projects. The amount you can borrow will depend on factors such as your credit history, your income, the equity in your home, and the projected cost of your home improvements.
Past financial hiccups don’t define your entire story. At Squared Money, we look beyond just credit scores. By considering your overall financial picture, we strive to find a lending solution that suits you.
You can use a home improvement loan for a wide range of projects, including but not limited to:
- Kitchen and bathroom renovations
- Adding extensions or conservatories
- Landscaping and garden improvements
- Installing new windows, doors, or roofing
- Upgrading heating and electrical systems
The main requirement is that you must be a homeowner to apply for a secured home improvement loan. For unsecured loans, good credit standing and a stable income are typically necessary. Your intended renovations should also add value to your home, as this can impact the approval decision.
- Application: Submit an online application with details about your renovation plans and financial situation.
- Approval: We assess your application, credit history, and property value. If you meet our criteria, we approve the loan.
- Disbursement: Funds are released directly to you, so you can begin managing your home improvement projects.
Repayment terms for home improvement loans at Squared Money can range from 1 to 25 years. The term will depend on the loan amount and your preference for managing monthly payments.
Applying for any loan involves a credit check that can have a minor impact on your credit score. However, responsibly managing and repaying your loan can positively influence your credit rating over time.
Squared Money stands out due to our tailored loan options, competitive rates, and commitment to customer service. We understand that each homeowner’s needs are unique, and we strive to provide loan solutions that align well with your project goals and financial situation.
Square your finances with us
today.
Discover how much you can borrow with our free loan assessment today.