{"id":1950,"date":"2018-05-17T08:41:10","date_gmt":"2018-05-17T08:41:10","guid":{"rendered":"https:\/\/demo.credibble.co.uk\/blog\/?p=1950"},"modified":"2022-05-02T18:52:37","modified_gmt":"2022-05-02T18:52:37","slug":"funding-home-improvements","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/loans\/funding-home-improvements\/","title":{"rendered":"Funding Home Improvements: 5 Simple Steps To Getting A Loan"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/loans\/funding-home-improvements\/#Introduction\" >Introduction<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/loans\/funding-home-improvements\/#1_Estimate_the_cost_of_your_home_improvements\" >1. Estimate the cost of your home improvements<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/loans\/funding-home-improvements\/#2_Understand_your_credit_file_and_whip_it_into_shape\" >2. Understand your credit file (and whip it into shape)<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/loans\/funding-home-improvements\/#3_Search_for_the_right_loan\" >3. Search for the right loan<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/loans\/funding-home-improvements\/#4_Apply_for_the_loan_youve_chosen\" >4. Apply for the loan you\u2019ve chosen<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.check.co.uk\/blog\/loans\/funding-home-improvements\/#5_Review_the_terms_and_sign_on_the_dotted_line\" >5. Review the terms and sign on the dotted line<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span>Introduction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There\u2019s no getting around it &#8211; unless you\u2019re an absolute DIY genius, home repairs and renovations can be pretty expensive. Whether you\u2019ve got urgent issues such as structural repairs, you are looking to increase the value of your home to resell, or you just think it\u2019s about time for a good home makeover, funding home improvements is going to take some thought.<\/p>\n<p>Perhaps you are lucky enough to have a great stash of money saved for projects like these, or for rainy day emergencies. However, if you don\u2019t have enough saved to cover the whole home improvement project, you may well consider taking out a loan. So you can see what this involves, here\u2019s a handy guide laying out 5 simple steps to getting a home renovation loan.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_Estimate_the_cost_of_your_home_improvements\"><\/span><strong>1. Estimate the cost of your home improvements<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Before you even start looking for a loan for funding home improvements, you\u2019re going to need a good sense of the potential cost of the project. This way you will have a realistic view of what size loan you\u2019ll to need.<\/p>\n<p>Get estimates from a few different contractors to make sure you get the best price possible. Then calculate an extra margin of 10% on top of whatever price you\u2019re quoted. As anyone who\u2019s renovated before will tell you, unexpected costs will <em>always<\/em> pop up when you least expect it.<\/p>\n<p>You should decide at this point if you can pay for some of the renovation with your savings. If you pay cash for part of the project, you can apply for a smaller loan. This could reduce the total interest you end up having to pay, and make it easier to get a loan in the first place.<\/p>\n<p>Once you\u2019ve decided the size of the loan you need, you can use this <u>loan calculator.<\/u> This will help you find out what the monthly repayments would be for that amount.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Understand_your_credit_file_and_whip_it_into_shape\"><\/span><strong>2. Understand your credit file (and whip it into shape)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When lenders decide whether they\u2019ll accept your application for a loan they will look at what rates to offer you. This will require a thorough check of your credit file. To make sure you\u2019re in the best position to apply for a loan here&#8217;s a little tip for you. You should know what shape your credit file is in and fix areas where you are falling short.<\/p>\n<p>Lenders will usually consider a whole bunch of factors, and rarely check your credit score, when assessing your application. This includes your payment history, employment situation, and how much of your income you spend on repayments.<\/p>\n<p>Do you want to find out how lenders view you, and what practical steps you can take to improve your credit file? S<u>ign up<\/u> for a Credit-Score account and get your Lender Report, absolutely free.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Search_for_the_right_loan\"><\/span><strong>3. Search for the right loan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The loan you choose to fund your home improvements will depend on three things. The cost of your renovation project, your personal financial position and credit history.<\/p>\n<p>If your renovation is a small one, you may want to consider paying for it with an unsecured personal loan. This type of loan will let you borrow money over a number of years. This is generally at a fixed interest rate, for up to \u00a325,000. The rates you\u2019re offered will depend on your financial position. Such as how much you need to borrow, and the length of time in which you\u2019ll pay it back.<\/p>\n<p>If you\u2019re undertaking a really huge renovation project and need to borrow a big sum of money, then you may want to look at secured loans. Using your house as collateral could let you borrow larger amounts of money at a lower rate of interest. You could also consider remortgaging as a way to access larger amounts of money for a big home improvement project. However, if you get one of these types of loans and then fail to make repayments, your home would be at risk.<\/p>\n<p>You can use your free Credit-Score account to check which loans you are personally eligible for \u2013 our Silent Search feature lets you browse freely without leaving a mark on your credit file.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"4_Apply_for_the_loan_youve_chosen\"><\/span><strong>4. Apply for the loan you\u2019ve chosen<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Once you\u2019ve decided which loan is the best fit for you, you\u2019ll need to prepare all the necessary documentation. When you apply for a loan, you will have to present several key documents.<\/p>\n<p>This includes things like proof of employment, proof of any supplementary income, and tax documents from the past few years. The lender will let you know what specifically you\u2019ll need to provide. Don\u2019t forget to double-check all these documents for any mistakes or inaccuracies, as this could affect your application.<\/p>\n<p>Once you have this all ready, you\u2019re finally in a position to put in your formal application. You can do this online easily through your Credit-Score account. Make sure to apply for a loan where you know you have a good chance of being accepted. Applying for credit and getting rejected looks bad on your credit file for future lenders.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_Review_the_terms_and_sign_on_the_dotted_line\"><\/span><strong>5. Review the terms and sign on the dotted line<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Congratulations, your loan application has been approved and you\u2019re all ready to get started on renovations. Be sure to check that the interest rate and terms laid out by the lender on paper line up with what you were promised \u2013 never sign anything without making sure that the terms are what you expect!<\/p>\n<p>Once you\u2019ve signed on the dotted line, it\u2019s time to get to work and beautify your home. Good luck, we hope it\u2019s everything you\u2019ve imagined.<\/p>\n<p><em><strong>Last Updated by Oliver Macmillan April 2022<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"Introduction There\u2019s no getting around it &#8211; unless you\u2019re an absolute DIY genius, home repairs and renovations can&hellip;\n","protected":false},"author":6,"featured_media":1951,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[280,275,279],"tags":[376,395,394,378,387],"class_list":{"0":"post-1950","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-home-improvement-loans","8":"category-loans","9":"category-personal-loans","10":"tag-affordability","11":"tag-getting-approved","12":"tag-home-improvements","13":"tag-managing-credit","14":"tag-types-of-loans"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2018\/05\/home-improvement-paint.jpg","author_info":{"display_name":"Claire Ben Chorin","author_link":"https:\/\/www.check.co.uk\/blog\/author\/claire\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Funding Home Improvements: 5 steps to get a loan | Credit-Score<\/title>\n<meta name=\"description\" content=\"Funding home improvements can be an expensive job. 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