Home Improvement Finance in 2026: From 0% Interest to Low-Cost Loans

New kitchen, bathroom makeover, loft conversion, extension or garden room? Whatever’s on your wish list, you no longer have to wait years to save up.

We work with the UK’s leading retailers, showrooms and specialist lenders to bring you every type of home improvement finance under one roof – including genuine 0% APR deals and low-rate loans, even if your credit isn’t perfect.

Every Type of Home Improvement Finance – All in One Place

When you use our free eligibility checker you’ll instantly see personalised offers that can include:

• 0% APR finance over 6–48 months (perfect for kitchens, bathrooms, windows, boilers and furniture bought through our retail partners
• Buy Now Pay Later options (nothing to pay for 6–12 months, then 0% or low rates)
• Interest-bearing personal loans for any home improvement project
• Longer-term secured homeowner loans for larger renovations and extensions
• Specialist loans for customers with bad credit or previous credit issues

Because we partner directly with big-name retailers (kitchen & bathroom showrooms, window companies, renewable energy installers, building firms and more) plus a wide panel of lenders, you get the widest choice – and often better rates than going direct.

How Much Can You Borrow?

What to Consider Before Starting a Home Improvement Project

Before you sign with a builder or choose your finance, take a moment to think about:

• Extra costs – always add 15–25% to quotes for surprises
• Planning permission & building regulations – essential for extensions, many loft conversions and some conservatories
• Disruption – how long will you be without a kitchen, bathroom or living space?
• Return on investment – kitchens, bathrooms and loft conversions typically add the most value
• Seasonal timing – builders are often cheaper in winter; 0% finance promotions peak in spring and autumn
• Energy efficiency upgrades – many now qualify for grants or ECO4 funding

Getting these clear early makes choosing the right home improvement finance much easier.

Loft Conversions: Benefits and Common Challenges

Why they’re so popular

• Usually add 15–25% to your home’s value – one of the highest-ROI projects
• Create an extra bedroom, home office or playroom without losing garden space
• Most fall under permitted development (no planning permission needed)

The realities and challenges

• Average cost £25,000–£80,000 depending on dormer windows, staircase and finishes
• Structural work (steel beams, floor strengthening) can cause big cost increases
• Older houses often need the roof raised to achieve usable head height
• Expect 8–16 weeks of noise, dust and scaffolding

Because of the size and cost, loft conversions are usually funded with interest-bearing personal or secured homeowner loans rather than 0% retail finance – but our eligibility checker shows every option you qualify for.

Conservatories & Orangeries: The Pros and Cons

The benefits

• Instant extra living space at lower cost than a full brick extension
• Flood the house with natural light
• Most designs are permitted development
• 0% APR finance is widely available from conservatory and window companies (often over 24–60 months)

Potential drawbacks

• Can be too hot in summer and too cold in winter if insulation is poor
• Traditional glass/polycarbonate roofs now feel dated to many buyers
• Stricter rules in conservation areas or listed buildings
• Some buyers prefer solid extensions, which can affect resale perception

Modern tiled-roof or “warm roof” conservatories fix most temperature issues and remain one of the easiest projects to get 0% finance for.

Home Improvement Finance with Bad Credit? Still Yes.

We know life happens. That’s why many of our partnered lenders and retailers specialise in:

• 0% finance with only a soft credit check at application stage.
• Higher-acceptance interest-bearing loans.
• Secured homeowner loans where your property equity matters more than past credit issues.
  
  

See Your Real Offers in minutes – No Footprint on Your Credit File

Our eligibility checker is completely free and only uses a soft search, so there’s zero risk and zero impact on your credit score.

In just a few minutes, you’ll see:

• Every 0% APR and interest-bearing deal you qualify for with our retail partners
• The cheapest interest-bearing home improvement loans available to you right now
• Exact monthly repayments and total cost
• Which option gives you the lowest overall cost for your project

Why Thousands of Homeowners Start with Us Every Month

• One quick check shows every option – 0% retailer finance & interest-bearing loans.
• No hard credit searches until you choose an offer and proceed.
• Instant decisions from multiple partners.
• Dedicated support team if you need help choosing the best deal.