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

  • Good communication from Mortgagekey, and so far so good, all seems to be going well. Would have no hesitation in recommending Mortgagekey.
    Wendy Wright
  • Wonderful service. As a first time buyer I would not hesitate to recommend. Thank you !!!
    Michael Spaul
  • As always, this is the second time I have used Mortgagekey. Everything is always seamless. There is no stress. Everything ticks along nicely in the ba...
    Catherine Howard
  • Efficient , great customer service and an easy process.
  • Excellent service from the guys at Mortgage Key. Callum was amazing. Georgia and Gareth were awesome too. WELL DONE
    Mr Mohammad Razak
  • Excellent Service.
    K Gill
  • Great staff very helpful, they keep you upto date with everything.
    Mr M Shafqat
  • Absolutely amazing couldn’t have asked for a better mortgage company.
  • Mortgagekey have been excellent so far in helping me and my partner, always happy to help and keep us up to date with the status of our mortgage appli...
  • A perfect customer experience from start to finish: knowledgeable, reliable and lovely to talk to. Thank you Sally! X
    Michael Spaul
  • Extremely efficient and friendly and nothing is too much, they keep you informed every step of the way excellent service would highly recommend.
    Leanne Palmer
  • I have used Mortgagekey to remortgage two properties three times now. They have been excellent at every step of the way - and they got us great rates!
  • I would recommend mortgagekey because their professional service and keeping on top of things in a very difficult time and always keeping me up to da...
  • Within a couple of hours Jamie had found us a lender after we were let down by our own bank that we have been with for over 30 years. Everything went ...
  • Absolutely amazing service! Rory was fantastic from beginning to end- reassured me no end too! I would strongly recommend using Mortgage Key to anyo...
    S M Dalby
  • Excellent help to get a remortgage . Thank you . Efficient and knowledgeable.
    Laura R
  • Dealing with mortgage key has been effortless. Callum has made me feel at ease during the whole process and to be honest I cannot think of one bad thi...
    Daniel Mitchell
  • Always give excellent advice and service
    Nicola Rice
  • Really good service with these guys. The whole team were really informative through out even through the covid 19 pandemic! Couldn’t recommend more!...
    Leo Berry
  • Excellent service..very friendly and knowledgeable advisors...thank you Tracy..I can thoroughly recommend them. This is the fourth time I've used them...
    Pamela Davey

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