Apply Home Improvement Loans With Bad Credit up to £50,000

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Borrow up to
£500,000 with Home
Improvement Loans

Home Improvement Loans With Bad Credit

Badger Loans have 2 routes you can choose for your Home Improvement Loan. Both options come with bad credit being considered so if your credit rating is a concern, we’ve got you covered from both directions (good and bad credit). We have split our offering between secured Home Improvement Loans and unsecured Home Improvement Loans. You must be a home owner to access either deal and you will have to prove it.

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Deal Number 1:

First up comes our secured loans for bad credit via our secured lending partner. We have partnered with them to provide you with quick and easy access to a secured loan specialist whether that’s for a Home Improvement Loan like here or for buying your first home as a First Time Buyer. Here’s the good bit – you can borrow up to £500,000 and you can borrow it for up to 25 years to keep the cost down. Here’s the bad bit(s) – that’s 25 years of paying interest on a secured loan and your home is at risk if you do not keep up the repayments! You can click the highlighted link above to be taken to their application form. They accept the self-employed as well as employed and bad credit is not a problem. Fill out the form for more info or visit our Secured Loans page.

Deal Number 2:

Secondly, we have Unsecured Loans for Home Owners. This is an unsecured loan so if you fail to keep up the repayments your home is not at risk! You can borrow from £3,00 up to £20,000 from 3-10 years. Bad credit is definitely not a problem here and our partner will look at a variety and combination of IVAs, CCJs and even bankruptcy if exited more than 3 years previous.

Unsurprisingly the interest rate is more than for the secured deal but that’s the nature of unsecured lending. The lender is taking much more risk than if they have the collateral of a property to fall back on. Click on this link to be taken directly to their application form. You can find out much more about this deal on our Unsecured Homeowner Loans page.

Home Improvement Loans

Home improvement loans can add significantly value to your existing property and also offer a better quality of life for you and your family. In this economic climate, a lot of households are looking to improve their current home rather than move out. This can also maximise their living space. Adding a loft conversion, new kitchen or home office can add up to 20% to your home. It can also offer a good return on your  investment.

At Badger Loans, we work with a range of secured and unsecured lenders to offer you the best rates for home improvement loans. So whether you are dreaming of a new kitchen, family room or extension, we can check your eligibility and get a competitive quote today.

Our entire loan application is completed online and we are able to offer a provisional decision on the screen. Subject to further checks, your funds can typically be transferred within a matter of days.

Key Features

  • Borrow up to £500,000 (secured only)
  • Repay over 1 to 25 years
  • Secured and unsecured loan options available
  • Do not need to move home
  • Do not need to own the property outright
  • Can increase the value of your home by 20% or more

What is the Eligibility Criteria?

  • UK resident
  • Must be a homeowner (tenants considered depending on circumstances)
  • Employed and earning a regular salary
  • Able to afford monthly repayments
  • No recent defaults for other loans
  • Valid UK bank account

Why Should I Apply for a Home Improvement Loan?

Home improvement loans are one of the most common loans in Britain today. There are many purposes to our Home Improvement Loans. There is the option to maximise the value of your home by adding space and square metres through renovations and extension. For some, they see an opportunity to add extra rooms for a growing family. Or you could make the home more accommodating for senior or disabled living. Since the Covid flu outbreak, more people are working from home. As a result we are seeing more people opt for home offices or garden offices to accommodate their lifestyle.

Home improvements add to the total value of the property, broken down as follows:

  • Kitchen 8%-12%
  • Extra bathrooms 10%
  • Conservatory 10%
  • Office 10%
  • Extra bedrooms 11%
  • Senior living 15%
  • Loft conversions up to 20%
  • Basements 25%-30%

Do I Need a Home Improvement Loan to Make Renovations?

You can pay for home improvements through your savings or regular monthly income. Some people prefer to use home improvement loans because they can offer all the money upfront with low interest rates. You can also continue living in your home whilst the renovations are being made.

Above all, the potential gain by adding home improvements to the overall value of your home can be much higher than the interest rates charges. Plus, you get up to 25 years to spread the repayment. So for some households, they find that using home improvement finance can be a better source of cash flow and a better investment.

Unsecured Home Improvement Loans

Badger Loans can help you find the best unsecured home improvement loans. This means that your loan is not secured against your home. For more information, see personal loans and unsecured loans.

Your eligibility is based on your income and credit status. The interest charged will be higher since there is no collateral or security required.

However, there is also less risk, since you do not risk losing your property or having it repossessed if you cannot meet repayment terms.

Secured Home Improvement Loans

If you prefer, Badger Loans can also introduce you to a secured home improvement loan provider, whereby your loan would be secured against your property. See secured loans for more information.

This can be useful if you want to borrow a higher amount and pay a lower rate. However, your capital and property is at risk if you cannot repay on time.

If you already have a mortgage, this would be classed as second mortgage or second charge loan.

What Information Do I Need to Apply?

When you apply online, you will be required to provide some basic information including your name, age, address, monthly income, expenses, loan amount and loan duration.

If you are applying for an unsecured product, your eligibility will be based around your credit score and monthly income. They will also assess your ability to repay on time. This may require some further checks or proof of income through a payslip or bank statement.

If you are applying for a secured product, the lender will typically need to verify ownership of your property. You may be required to provide a recent valuation, proof of address or utility bill.

Do I Need Permission to Make Home Improvements?

You can make renovations to your home at any time However, some work will require planning permission if you are building out externally or more than 10 metres (such as extensions, basements, new levels and lofts). If you are doing work internally such as breaking through a wall or turning a garage into another living room. This will not require planning provided that it does not affect your neighbours. 

Do I Need to Own the Property Outright?

No, it is very common for people to apply for home improvement loans even when they still have an existing mortgage on their property and do not own the estate outright.

Is the property owned by another party such as a landlord or family member? It is always essential to get their permission beforehand.

Provided that you have all the permissions and can afford to repay your loan on time, you can be eligible to borrow up to £500,000. 

Why Apply for Home Improvement Loans with Badger Loans?

Badger Loans is passionate about helping you find the best loan for you at the most affordable rates and terms.

We have a full panel of lenders across unsecured and secured lending. We can help you check your eligibility for a home improvement loan and get you one step closer to your dream home.

Our entire application is online and can be completed in less than 5 minutes. We offer an almost instant provisional decision on the screen.  Subject to further checks, customers can usually receive funds in just a few days of approval. To get an initial quote, simply click on apply now below.

Why Apply For An Unsecured Loan with Badger Loans?

  • Amount between £100-£25,000
  • Term from 12 months to 5 years
  • You need an Unsecured Loan
  • Good or Bad Credit
  • No Guarantor Required

Legal Information

Rates from 12.9% APR to 1625.5% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 60 months. Representative Example: £1,000 borrowed for 18 months. The total amount repayable is £1564.59. Interest amounts to £564.59, an annual interest rate of 59.97% Representative APR: 79.5% (variable).

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