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Home improvement loans

Do you feel that your home could do with a little spruce up? Perhaps it needs redecorating, or maybe you've got your eye on a larger project, such as a value-adding extension? Whatever your plans, making changes involves a financial commitment. That's where our home improvement loans could help.

We can lend you between £200 and £4,000, with the funds repayable over a period of three to 48 months. Your repayment terms will depend on how much you borrow, and we can explain all the details right here. Read on for more information on home improvement loans in the UK and how you can apply for one with Dot Dot Loans today.

What is a home renovation loan?

A home renovation loan involves borrowing money from a lender to help finance any improvements you'd like to make to your property. As with most other types of loan, you'll borrow a certain amount, which you then pay back over an agreed period, plus interest.

We offer both short-term and long-term house improvement loans, so you can decide which is most suitable depending on the scale of your project.

Sometimes, renovation loans can be difficult to secure through traditional lenders such as banks. With Dot Dot Loans, you can apply quickly via our website and find out if you've been approved soon afterwards. It's as easy as that.

What can home improvement financing be used for?

If you've decided now is the time to do up your property, you're certainly in good company. Here are some facts and figures regarding the housing market and home improvements:

Using your home renovation loan

Home improvement financing could be used for a wide variety of projects, including:

  • Building an extension
  • Redecorating
  • Landscape gardening
  • Fitting a new kitchen or bathroom

You may also need a house improvement loan if unexpected bills have cropped up and left you in a difficult financial situation. For example:

  • Fixing a broken boiler
  • Repairing a damaged roof
  • Replacing broken appliances such as an oven or fridge
  • Fixing faulty wiring or electrical systems

Whatever you need your home renovation loan for, we're here to provide a hassle-free solution.

Why come to Dot Dot for your renovation loan?

If you're looking for financial help, it's important that you come to the right place. At Dot Dot, we aim to make home improvement loans as simple and stress-free as possible. Here are just some of the reasons to choose us:

  • Quick: You can apply to borrow between £200 and £4,000 in just a few minutes. If you're approved, you could have the money the same day or the day after
  • Flexible: You can repay us over three to 48 months, depending on how much you borrow
  • Honest: The cost of your house renovation loan will be agreed upfront, with no hidden extras
  • Trusted: We're fully authorised and regulated by the Financial Conduct Authority (FCA), under reference number 713984
  • Responsible: We're a member of the Consumer Finance Association. Our credit and affordability checks mean we only lend sensibly
  • Recommended: We've been given a rating of 'excellent' on Trustpilot from hundreds of customer reviews

We're owned by Morses Club PLC, who are firmly established as one of the UK's leading finance companies with over 130 years of experience. We're a direct lender of home improvement loans, so you won't have to worry about dealing with anybody else.

How do home improvement loans work from Dot Dot Loans?

A renovation loan from us is easy to organise. As an unsecured type of funding, you won't have to offer your property or anything else as security. Find out how much your repayments will be by using the short-term loan calculator or the long-term loan calculator.

Short-term home improvement loans

For smaller-scale costs such as redecorating, a short-term renovation loan could be ideal. These allow you to borrow between £200 and £1,000 with a repayment period of three, six or nine months.

Long-term home improvement loans

Larger projects such as an extension may require you to take out a long-term house improvement loan. This option allows you to borrow £1,500-£4,000 with repayments made over 18, 24, 36 or 48 months.

The next steps in securing your home improvement financing

The calculator tools will tell you the total cost of your home renovation loan. If you want to go ahead, we'll carry out credit and affordability checks. We'll assess things like your salary and credit history, but don't worry if your credit score is less than perfect. Our home improvement loans may still be an option for you.

If your application is approved, we'll agree the cost of your loan upfront. We'll begin to take repayments automatically and you can keep an eye on your funding through the customer portal.

Do you have questions about applying for a renovation loan? No problem. You can contact our friendly team or visit our FAQ section.

Is a home renovation loan right for me?

Data from the FCA reveals that the volume of loan applications is rising, but that doesn't mean it's always the best solution for everyone. Before applying for a house improvement loan, it's important to consider the following things:

  • Are you borrowing for the right reasons?
  • How much do you need to borrow?
  • Can you afford the repayments?
  • Are you aware of the terms and conditions, including the interest rates?

It's crucial to think carefully about your finances before applying for a loan. The Money Advice Service, StepChange and National Debtline offer free, impartial guidance for those who need it.

Am I eligible for a house improvement loan?

The FCA recently reported that 4.5 million adults in the UK had seen applications for financial products rejected across a two-year period. At Dot Dot Loans, we want our home improvement loans to be available to as many people as possible. You can apply if:

  • You're over the age of 18 for a short-term loan, or over the age of 21 for a long-term loan
  • You live in the UK and can give an address
  • You have a job
  • You can give us a phone number and email address
  • You can provide details of your bank and debit card
    • All applications are properly assessed, as we are a responsible lender. We'll analyse your credit history as well as your income and outgoings before making a decision.

      How much can I borrow?

      That depends on whether you have chosen a short-term or long-term house renovation loan.

      Short-term house renovation loans

      You can borrow between £200 and £1,000. This is repayable over three, six or nine months, depending on the loan amount.

      Long-term house renovation loans

      You can borrow between £1,500 and £4,000. This is repayable over 18, 24, 36 or 48 months, depending on how much you borrow.

      How do the repayments work on home improvement loans?

      The size of your renovation loan will affect your repayments. For example, if you borrow £200 then you will pay that back over three months. However, a £4,000 loan will be repaid across a 48-month period.

      We'll collect the repayments automatically, this will be done on a pre-agreed date by Direct Debit, to make sure there are no delayed or missed payments.

      You'll not be charged for any late or missed payments on our home improvement loans. However, if you think you might struggle to keep up with your payment schedule then please get in touch to let us know. We'll try to find a solution together.

      Are there any fees I need to know about?

      All our home improvement loans come with no hidden or additional charges. Some lenders may include extra fees, but we like to make everything clear from the start.

      What's the interest rate on a home renovation loan from Dot Dot Loans?

      The interest on your home renovation loan will depend on how much you borrow. Your rate will be fixed upfront, so you'll know how much there is to repay every month.

      Some lenders offer variable interest rates. This means that your repayment amount can change from one month to the next. If the interest rate was to increase, you may find yourself struggling to make the repayment. With our fixed rates on home improvement loans, everything is clear and simple.

      Home improvement loans from Dot Dot Loans

      Does your home need a little tender loving care? Do you have a large project in mind? At Dot Dot Loans, we can provide quick and simple home improvement loans.

      Our easy loan calculator tools allow you to select how much you'd like to borrow. Once you've done that, it'll tell you how much you will be repaying and over what period of time.

      If you're happy, hit 'Apply now' and complete your application in a matter of minutes. If you're approved, the money could be in your bank account within the next hour, depending on how much you borrow. That's the beauty of a home renovation loan from Dot Dot Loans.

Short term loan

Representative Example

Borrow £300 over 6 months with monthly repayment of £92.97. Total amount payable £557.82. Interest rate 237% p.a. (fixed). 757.7% APR Representative.

Long term loan

Representative Example

Borrow £2500 over 24 months with monthly repayment of £198.68. Total amount payable £4768.25. Interest rate 71.1% p.a. (fixed). 99.9% APR Representative.

Loans from £200 to £1000

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Representative 757.7% APR

Loans from £1500 to £4000

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Representative 99.9% APR