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Home Improvement Loans

Make your home bigger, brighter and better with a loan from Norton Finance

Whether you want to renovate the kitchen or have a new heating system installed, a home improvement loan can make your vision a reality. If you have bad credit, you may be worried about whether you will be accepted. At Norton Finance, we help customers sort out their situation, even if their credit history is far from perfect.
  • Massive choice

    We search the market from over 600 plans.

  • Flexible terms

    You can choose to spread the cost over any term from 1 to 30 years.

  • Here to help

    Even if you have a poor credit history or CCJs, are self-employed or even retired.

Looking for a larger amount?

Alternatively, call FREE on 0800 694 5566 Open 24 hours a day.

Homeowner rates, from 2.9%

2019 Gold Feefo Trusted Service Award

Unlike a bank we can search wider to find you the best products. So you get more choice not more rejections, even if you have a bad credit history. And that’s more than any bank can offer

What is a home improvement loan?

A home improvement loan is a personal loan that’s used to update, improve and renovate your property. Many people apply for loans to cover the cost of larger jobs, such as fitting new windows and doors, or installing a new central heating system. These types of loan make your home an even nicer place to spend time – and can help increase the value of your property too.

How do home improvement loans work?

Home improvement loans work like a typical personal loan – they can be secured against your assets or unsecured, with repayments spread over a period of time that works for you.

There aren’t any hard and fast rules on what you can use the money for. You could use it to increase the value of your property before you put it on the market, or simply show your abode some love with a renovation project.

To get a home improvement loan, select the amount you want to borrow and submit your online application. When we have the information we need, we’ll get to work finding the right lenders for you.

What can I use a home improvement loan for?

We’ve listed some of the most common reasons for a home improvement loan below:


New garage

Whether you’re after more storage space for tools or need somewhere to keep your car, use a loan to build a new garage.

Urgent repairs

When the unexpected happens, get things back to normal, whether it’s a broken boiler, damaged walls or leaking windows.

Rewiring / plumbing

Electric and plumbing work can be expensive, but you can make sure the job is done right - whether it’s planned or an emergency repair.

Loft conversion

Create a whole new space for you and your family to enjoy with a loft conversion.

Building an extension

Extensions are the ultimate renovation project, adding more room to live and grow

Applying for a home improvement loan

At Norton Finance, we can help you find the loan that works for your home improvement needs. There are two types of loan to consider, secured and unsecured.

Secured loans are guaranteed against assets, such as your property or car. These will be used to cover the cost of your loan, should you find yourself unable to make repayments. If you have poor credit, a secured loan might be easier to obtain.

Unsecured loans are a more flexible choice because they aren’t tied into property. However, the rates of interest may be higher, making it a more expensive product overall. At Norton Finance, we’ll work with you to find a lender that offers the loan you need at an affordable rate.

Am I eligible for a home improvement loan?

We help people of all ages, backgrounds and professions secure the funds they need for home improvements – even if they have bad credit. We work with lenders who offer flexible loans to people who might have been turned down in the past. If you’re retired, have no equity, are disabled or have a low income, we’re here to help.

Apply online and see if you could qualify for a home improvement loan today.

Is a home improvement loan a good idea?

Like any big financial decision, you should carefully consider and research home improvement loans before you apply.

Work out what you can realistically afford to repay each month, and see if there’s a loan that matches your repayment budget. Some lenders let you spread the repayments over as much as 30 years. Whatever the timeframe, it’s very important you can meet the repayments set out by the lender - particularly if you are arranging a secured loan.

Home Improvement Loan FAQs

Please click below for the answers to our most commonly asked questions. If you can't find the information you need, call us free on 0800 694 5566 and one of our advisers will be happy to help.

How much can I borrow?

When you apply for a loan via Norton Finance, you can borrow between £3,000 and £500,000.

How long are the repayment terms?

You can spread the cost of your repayments over 1 to 30 years.

What are the interest rates?

The interest you pay will be determined by your financial history and your current circumstances. Our homeowner rates start from 2.9%

How long will it take?

You’ll receive an instant decision on your loan in principle, but should allow 1-2 weeks for your application to be processed and for your money to be transferred.

Are there any loan fees?

Norton Finance is a broker; this means we receive a commission from the lender you choose for your loan. It’s worth noting however that there may be a 12.5% broker fee of the amount you have borrowed and this is capped at £3,995. There are no broker fees on unsecured loans.

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