Looking to make some changes to your home? We can search our panel of lenders to help find you the best home improvement loan to cover the cost - even if you have a poor credit rating.
There are lots of ways you could fund your renovations, but if you haven’t had chance to save up, a home improvement loan could help. We have access to competitive rates from a panel of lenders. We offer two different types of loan – homeowner and personal.
As the name suggests, you must own your home to be eligible for a homeowner loan. These loans range from £10,000 to £500,000 over 3 to 30 years. You can get a quote to find home improvement loans that you’re likely to be accepted for, before you apply - without affecting your credit score.
Personal loans are different because you don’t have to be a homeowner to apply. These range from £1,000 to £15,000 and can be repaid over 1 to 5 years.
Click 'Compare loans' to go to our loan calculator above.
Personal loans: Ocean Finance is a trading style of Intelligent Lending Limited. We are a credit broker working with a panel of lenders to find you a personal loan.
Homeowner loans: Homeowner loans are secured against your property. We are a broker and we arrange secured loans from a panel of lenders. We receive commission upon completion. Any quote is inclusive of the Broker Fee and all associated costs which is calculated as 12% of the net loan amount, capped at a maximum of £4,495. Loans are subject to status, and the rate you are offered may change based on your individual circumstances.
You can learn more about Ocean on our about us page.
Homeowner loans are secured against your property. This means your home may be at risk if you fall behind with your secured loan or mortgage repayments.
Remember, if you consolidate your existing borrowing, you may be extending the term and increasing the amount you repay in total.