Home Improvement Loans




Looking to upgrade your kitchen, beautify your bedrooms or convert your loft?

Whatever plans you have; a home improvement loan could help to make it happen.


  We also consider less than perfect ratings
  Your enquiry will not affect your credit score
  Get a fast response within the hour

Repayment Calculator

£10,000 £1,000,000
24 month420 months
Your repayments are every month at 4.6% APR

The figures shown are estimated and subject to change. For a comprehensive quote please apply now.


We are a broker, so we can search through an unlimited range of products to find the best solution for you. We work with an unlimited range of lenders to find solutions for all types of borrower’s, even those who have a poor credit history, or perhaps aren’t deemed eligible by most lenders.

Home Improvement Loan at a glance

What is a Home Improvement Loan?

A home improvement loan uses your home as security for the loan.

How much can I borrow?

Our loans typically start from £10,000 up to £1,000,000. We can sometimes finance up to 125% LTV in certain circumstances. Loans are subject to affordability assessments.

What are the rates?

Rates typically starts from 3.84% depending on the LTV, credit profile and property type.

How long is the loan?

We can provide loan terms from 2 to 35 years.

Who can apply?

  • Anyone who owns a property

When should you consider a Home Improvement Loan?

  • If you want to increase the value of your home
  • If you need more living space for your growing family
  • If you need to replace a roof, put in a new energy saving windows or just give your home a new design, but you can’t afford to pay for it in one lump sum

How do I apply for a Home Improvement Loan?

We have made the Home Improvement Loan application process very simple.

In order to understand your requirements and to be able to make an immediate assessment, simply complete the application form and we’ll get back to you with a quote.

All loan applications are subject to affordability assessments.

Authorised and Regulated by the Financial Conduct Authority.  FRN Number:727308. Data Protection Act no: Z2777642

Think CAREFULLY before securing other debts 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.
If you are thinking of consolidating existing borrowing you should be aware that you may be extending the term of the debt and increasing the total amount your repay.
A broker fee of up to 5% of the loan amount borrowed, may be payable on completion. Lender fees may also apply.

The actual APRC rate available will depend on your individual circumstances. Loans are subject to status. Please ask for a personalised illustration. Loans are secured on a property.
We arrange loans and mortgages from an unlimited panel of lenders. We will receive a commission from the lender upon completion.
Calls may be recorded for training purposes.

First4Seconds is part of the F4B Group which is a trading style of Brompton Asset Finance Limited which is regulated by the Financial Conduct Authority.