Can I use a secured loan for major structural work?

Absolutely. Whether it’s a loft conversion, a kitchen extension, or a full renovation, secured loans are ideal for high-cost projects where a standard credit card or personal loan wouldn't cover the bill.

Why not just remortgage to pay for the building work?

If you currently have a very low interest rate on your main mortgage, remortgaging the whole amount could mean losing that rate. A secured loan sits on top of your current mortgage, allowing you to keep your existing deal exactly as it is.

Does the work have to add value to my home?

While it’s a great idea to invest in works that increase your property's market value, lenders generally don't restrict how you improve your home. Whether it’s a "must-have" repair or a "nice-to-have" luxury garden room, the choice is yours.

How much can I borrow for my renovation?

This depends on the "Loan to Value" (LTV) of your property. We look at how much equity you have (the value of the house minus your existing mortgage) and your ability to comfortably afford the new monthly payments.

Home Improvements | Ezra Finance

Make Your Dream Home

A Reality

Access the capital you need to fund extensions, renovations, or a new kitchen without touching your current mortgage or interest rate.

Don't move. Improve.
Unlock your home's potential

You shouldn't have to move to get your dream home. But between architectural fees, planning, and construction, funding a major project like an extension, loft conversion, or new kitchen can feel out of reach. A Secured Loan (second charge) is the professional way to unlock the value already in your home to finance its transformation.

Choosing a secured loan means your project doesn't have to wait for years of saving or a complicated remortgage. It allows you to fund your renovation based on the value you've already built, often providing a much lower interest rate than high-street personal loans. Whether it’s an ambitious loft conversion to add a bedroom or a total ground-floor remodel, we help you access the capital to build real equity while you build your dream—all without disturbing your current mortgage deal.

Borrowing Amounts: From £10,000 to £500,000+

Flexible Terms: 3 to 30 years to suit your budget.

Keep Your Rate: Your existing mortgage remains exactly as it is.

All Income Welcome: Specialist solutions for the self-employed and complex incomes.

Credit Status: We work with lenders who look past CCJs, defaults, or missed payments.

Speed: Fast-track processing with funds often released in weeks, not months.

What's the Project?

Common Reasons for using a Secured Loan for Home Improvements

Room Improvements

Modernise the heart of your home. From high-spec kitchens to open-plan living areas, these renovations offer the highest return on investment for your property’s value.

Property Extensions

Whether it’s a single-storey wrap-around or a double-storey addition, create the extra square footage your family needs without the cost and upheaval of moving house.

Loft Conversions

Turn unused attic space into a master suite or a quiet hideaway. A secured loan provides the capital needed for structural changes while protecting your current mortgage rate.

Garden & Landscaping

Extend your living space outdoors. Use your equity to fund professional home offices, luxury garden studios, or a complete landscape redesign for year-round enjoyment.

Frequently asked questions

Home Improvements FAQs

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Ready to Apply?

Get in touch and one of our advisors can guide you through the process