Are you considering making home improvements this year or next year?

In a study of homeowners, whether it’s redecorating or full scale renovations, it was found that 42% of UK homeowners updated and improved their homes in 2019 alone, and this stat is only set to increase.*

During this time, you too may have found yourself dreaming of making changes to your kitchen, living room, garden, the whole house even!

If that’s the case, you might have already looked into what secured loans are available for your needs.

But do you know that secured loans can vary widely depending on the provider and your financial situation?

That’s right! Not all secured loan offers are the same and your personal circumstances will determine the terms of your loan. Here are some of the factors lenders take into consideration when looking at your loan application:

  • Your income
  • Your credit score
  • Existing credit commitments
  • The amount of equity available in your property

The interest rate you are offered can also vary depending on your credit score and your property could be repossessed if you fail to make your repayments.

This is why it’s so important to seek advice from an expert who can talk you through the right options for you and your circumstances, and as a result, help you make an informed decision. although comparison sites are available at the click of a button, these sites do not always offer a comprehensive selection fo deals.

An expert can research the cost of borrowing, as well as compare the terms and conditions of each loan and what could happen if you’re unable to repay, all on your behalf.

Why don’t we discuss the options mentioned, and find the right choice for you?


Your home may be repossessed if you do not keep up repayments on your mortgage or another debt secured on it.