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Home Improvements Loan

Transform Your Space with a Home Improvement Loan

Turn your house into your dream home with a home improvement loan from Serve and Protect. We make it easy to fund your home renovations with manageable payments that fit your budget.

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Key Features of Our
Home Improvement Loan

Our home improvement loans are designed to help you upgrade your living space without the financial stress. With competitive rates, no hidden fees, and flexible repayment options, we are here to make your renovation projects a reality. Whether it’s a new kitchen, energy-efficient windows, or a bigger renovation, we’ve got you covered.

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Range

You can apply for loans between £500 and £25,000.

Repayments

You can choose repayment terms between 12 to 96 months.​

Rates

We have affordable tiered rates starting from 8% APR to 13.5% APR.

Why Choose a Home Improvement Loan?

Investing in your home with a home improvement loan can deliver lasting benefits. It’s a great way to create the home you’ve always wanted while also increasing the value of your property.

Increase Your Home’s Value

Home improvements can boost the value of your property, making it a worthwhile investment. Whether it’s renovating a kitchen, adding a bathroom, or improving curb appeal, upgrades can increase your home’s resale value.

Flexible Loan Terms

Home improvement loans typically offer flexible repayment terms, allowing you to choose a plan that fits your budget. Whether you prefer shorter or longer terms, you can find an option that suits your financial situation.

Consolidate Costs

If your renovation projects involve multiple expenses, a home improvement loan allows you to consolidate all the costs into one manageable loan. This simplifies your payments and helps you stay on top of your budget.

Quick Access to Funds

Unsecured personal loans for home improvements are often approved quickly, giving you the funds you need right away. This is ideal if you’re ready to begin your renovation project immediately.

A happy couple cheersing mugs together, celebrating their successful home renovation funded by a Serve and Protect home improvement loan.
A happy couple cheersing mugs together, celebrating their successful home renovation funded by a Serve and Protect home improvement loan.
A happy couple cheersing mugs together, celebrating their successful home renovation funded by a Serve and Protect home improvement loan.

Things to consider

  • Assess the Total Cost - Carefully evaluate the total cost of your home improvement project, including materials, labour, and any unforeseen expenses to ensure the loan amount fully covers the costs.
  • Monthly Payment Affordability - Review your current financial situation to make sure you can comfortably manage the monthly payments.
  • Ensure Timely Access to Funds - We recommend planning ahead to ensure the loan is available when you need it most to keep your renovation on track.
Can I Apply?

To apply for our Home Improvement Loan, you need to:

  • be eligible to join our credit union
  • be aged 18 or over
  • be a UK resident
  • be in paid employment or have a regular income and are not a full-time student
  • and not have any recent CCJs, credit defaults or bankruptcies

If your employer hasn’t set up payroll deduction with us, you can still repay via direct debit, as long as you fit in to our field of membership.

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Use our loan calculator to explore repayment options and find what works for you!
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Frequently Asked Questions

Our rates range from 8% APR to 13.5% APR, depending on the amount borrowed and repayment terms.

Absolutely. There are no penalties for early repayment, so you can take control of your finances at any time.

Yes, we run credit checks as part of our process. However, we consider many factors beyond your credit score, such as your income and financial habits, so don’t count yourself out if you’ve had a few bumps.

Unfortunately, we are unable to lend to individuals who live outside of the UK unless payroll deduction is available with your employer.

A home improvement loan is a personal loan designed to help you cover the costs of renovations, repairs, or upgrades to your home.

You can use the loan for a variety of home projects, including kitchen remodels, bathroom upgrades, landscaping, energy-efficient windows, and more.

Our team is here to help with any further questions you may have. Reach out to us at 0121 700 1222 or start your application today with confidence! Apply Now.

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Ready to Apply?

If you’re ready to apply for a home improvement loan, Serve and Protect is here to help. During your application and after you apply, you may be asked to provide:

  • proof of identity and proof of address
  • proof of employment and/or income
  • information about your financial situation
  • your banking details so you can save with us

Take the first step towards your dream home today.

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Notice: Scheduled Maintenance

Our app and online access will be unavailable for 2 hours on Sunday, June 8, from 4:00 AM to 6:00 AM, as we work on scheduled upgrades to make things faster and smoother for you. We apologise for any inconvenience this may cause.