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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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

  • Would like to start by saying that Mortgagekey are worth their weight in gold. My partner and I never dreamed of being accepted for a mortgage but th...
    Daniel Beech
  • Very efficient service and achieved what we were looking for
  • I had a missed payment on my record and all major lenders turned down my application. Mortgagekey helped me get a mortgage and got accepted, underwrit...
    Peter M
  • Customer service was amazing start to end, made the whole process very easy.
    Nisar Ahmed
  • We have been talking to Mortgage Key in regards to our first mortgage. Although we have not finished the process, we are extremely happy with the serv...
  • You provided me very good and impressive service, very nice staff.
    Mj Li
  • Excellent service, very helpful! Im a first time buyer and mortgage key helped me understand the process and explained everything to me, would recomme...
  • Having been through this process a few times, my experience with MortgageKey was excellent. Leona spent the time to understand my requirements, which ...
  • I can’t recommend this company enough. Claire was awesome in coming back to me with options and within 48hours I had a agreement in principle. Mort...
    A Patel
  • The whole process was smooth and we are very happy.
    Ian Jeavons
  • Amazing service they work hard to get you the best deal. Our case worker Leonie was fantastic. A service worth every penny. Highly recommended.
    Stephen and james
  • Fantastic service- simple to use and found us a great deal! Would highly recommend
  • I contacted you on line and found your service to be excellent, fast and efficient
  • Over the phone Application for Life insurance: agreeable member of staff, very professional, I was absolutely satisfied with the way this was conducte...
    Roxane Keabou
  • I found Linda to be highly efficient, focused & offered lots of time with explanation every step of the way. Linda worked to my pace & made herself a...
  • Very easy and accessible service. Excellent advice and knowledge. As a first time buyer the support was outstanding. The communication has been above ...
    Stephanie E
  • Fantastic service.
  • Very friendly. Responded quickly kept us upto date all the time. Would recommend.
    Kathleen Walpole
  • Looking for a mortgage broker during the uncertainty of the pandemic was nerve-wracking. After contacting MortgageKey, I knew from the first call that...
    Roxane Keabou
  • Great service very helpful.

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Ready to talk? Speak to an expert today: 0800 077 8980