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Oxford Home Improvement Agency

Renovation, replacement and repair grants are only available in exceptional circumstances to homeowners. If you’ve just bought a new home, it’s only natural to want to make changes. At Novuna Personal Finance, our low APR unsecured loans can help you get started as soon as you move in. However, if you’re interested in borrowing on your existing mortgage, you should contact your mortgage provider for more information.

  • Although your local authority can have its own rules, there are certain things that it must or must not do when it provides help with home improvements.
  • Your home may be repossessed if you do not keep up repayments on a mortgage or other debts secured against it.
  • We’ll then use Faster Payments to send the money directly to your bank account.

It could help lower your energy bills and cut your carbon footprint. At Novuna Personal Finance we specialise in unsecured personal loans. So when you take out a home improvement loan with us, there’s no collateral or security required. Our lending decisions are based purely on your creditworthiness and your ability to repay the loan. Not only will home improvements provide you with years of happiness, increased energy efficiency and more living space, you could also be adding value to your property. Generally, a local authority does not have to pay a grant or loan within any particular time limit.

Your local authority will have its own rules about the conditions you must meet in order to get help. For example, its rules might say you can’t get a grant if your savings are over a certain limit. Although your local authority can have its own rules, there are certain things that it must or must not do when it provides help with home improvements. Your local authority must have rules about help with home improvements, but it can’t have rules which are completely rigid or unreasonable. For example, it can’t say it will never give any grants, and it must take your individual circumstances into account if you apply for help. Also, the rules must not discriminate against you because of your age, disability, gender reassignment, pregnancy and maternity, race, religion or belief, sex or sexual orientation.

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As it’s a big financial decision, remember to factor in those easy-to-forget costs when planning your project. A small DIY project might seem straightforward enough but hiring a contractor or obtaining planning permission can increase the price. There are various energy efficiency schemes and grants available. The main scheme is a home energy efficiency scheme known as the Energy Company Obligation , provided by the government. If you’ve taken out a loan to make home improvements you might be able to get a government loan to help with interest payments.

You may be looking for the best way to add value to your property because you want to sell, or simply because you want to improve your lifestyle. You can contact your nearest Citizens Advice if you need further advice on home improvements. You might also be able to find local grants to help with things like insulating your home from Simple Energy Advice. You’ll have to pay the SMI loan back, but usually only when you sell your home or give it to someone else.

Depending on the planned improvement a surveyor may need to visit. If your planned improvement is on the list below, please fill out our formand attach any necessary documents to support your proposal. For queries or advice about historical, social or cultural records relating to Northern Ireland, use the Public Record Office of Northern Ireland enquiry service.

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We offer loans to cover costs big and small and you can be specific about the amount you need, down to the pound. You can apply for a loan term from 12 to 120 months depending on the loan amount and purpose. Just remember that the maximum repayment period might be lower for certain loan purposes. Although you don’t need permission, it’s important that you let us know if you’re going to do any of these improvements. Although you don’t need permission, it’s important that you let us know if you’re going to do any of these improvements – please click the button below to get started…

One of our team will be on hand to guide you through the range of options available, which also includes bifold doors, conservatories, orangeries and more. If you’re in a hurry to get started on your home improvements, you’ll be pleased to know that we’ve designed our application and approval process with speed and ease in mind. Applying for a home improvement loan online with us takes just 10 minutes. We’ll make an instant decision and the funds could be in your account within 48 hours.

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You can choose which day of the month you’ll make your fixed monthly payment. With our officialngowari.com loan calculator, you can find out what your repayments might look like each month, and how much interest you could end up paying. Taking out a personal loan is an ongoing commitment so make sure you think about how the loan repayments will work with your future plans.