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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?

Payroll Deduction

Repayments are automatically taken from your salary each month, so you never need to worry about missing a payment. You can check if your employer has signed up here. 

No Early Repayment Penalties

Gain financial freedom faster with the ability to repay early at no extra cost.

Reducing Balance Loans

With a reducing balance loan, your interest is calculated on the remaining loan balance, meaning as you pay off your loan, the amount of interest you owe decreases.

Support a Greater Cause

When you borrow from us, you get an affordable loan while supporting our mission. Your interest helps sustain our credit union, support those who serve, and reinvest in the community.

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 permanent employment with a regular income
  • and not have any recent CCJs, credit defaults or bankruptcies

Check if your employer has signed up for payroll deductions here. If they haven’t, you can still repay via direct debit, as long as you fit into our field of membership.

See What You Could Borrow
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!

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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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