Planning a facelift
The only place in the world where you can retard after a long, hectic and tiring day. No matter how much luxury you can afford while on a vacation but after some time home calls you. Nothing is cosier than your bed, nothing is brighter than the window that reflects the shine of the sun in your living room.
 Planning a facelift of your home

 The aroma that your kitchen releases is the only tool to feed your soul that sometimes feels nostalgic. After wearing many identities of an executive, a multinational company CEO, a perfect man/woman in the world outside you can finally ‘be yourself’ at home. 

If a place is so important, how can you don’t think about its well-being. In the exchange of care, your abode gives, it asks only for a graceful treatment and proper maintenance. A home improvement can pour new freshness in your place and it can stay younger for longer.

Home improvement loans are in abundance when it comes to loan offers. According to the affordability of the applicants, they are available with tailored deals. The best part is, their online existence make them easier to access.
Things to consider before applying for loans for home improvement

With considerable amount for investment, it is good to plan everything systematically. Here are few points that should come in mind before applying for the loan.
You want partial improvement or complete?

Do you want to improve only a part of your place or complete home? Decide it NOW. The financial assistance is available for both the purposes. This helps determine the cost and then funds can be borrowed accordingly. Remember, you need to return every single borrowed penny from the lender and every step should be captious.

Choose wisely the type of loan

According to the purpose, several types of loans on home improvement are available. For instance –


  • Kitchen improvement
  • Loft conversion
  • Exterior paint
  • new conservatory, outside decking or to add a garage
  • Bathroom renovation
  • Garden renovation
  • Backyard makeover

There are many alternatives, make sure that the choice of option is wise and rational.
Features that the loan deal should contain

Varied lenders provide funds with varied features however; there are certain things that should come in general. These are –

Quick access to funds through instant approval decision

Delay can increase the cost of home improvement as the construction material prices keep changing. The online lender you choose should have the feature of instant approval decision. Timely availability of funds is necessary to do things according to the plan. Besides, it is not possible for family members to delay their daily routine things for long. Fast funds can get the work done faster.

No unethical charges or fee, like - upfront fee

It is important to see that in haste to get money, the fake lenders do not succeed to strengthen their trap. The lending company in your priority should not have the upfront fee condition. Also, the habit to take extra charges or hidden fee is not something that comes in ethical lending.

Options without prepayment penalty are better

In case during the loan tenure you want to pay off the loan early, prepayment penalty can be an extra expense. Find a lender that do not take any such fee and allow paying off the loan (before completion of tenure) free of cost. Such choices are not difficult to find as due to excessive completion, many lenders have this feature.

Do not forget to use the loan calculator

It is great to get an idea beforehand of the total cost and the monthly instalments of the loan. Budgeting becomes easy and you can see how much adjustment is required to add the new repayments.

Loan calculator provides loan quote and then decision on borrowing becomes easy. If costs look higher, switch to the other option, otherwise stay.

You need to fill the following details to get the quote

 loan calculator

Avoid these mistakes while applying

The funds are available online but to get them smoothly, it is necessary that your application should be flawless. Following are some of the common mistakes that most of the applicants do while applying for the loan. Read them and don’t do them in your case.

Multiple applications to varied lenders

In the hurry to get funds faster and to prevent the anxiety of rejection, applicants apply to many lenders such as British Lenders, A one Loans, The Easy Loans etc. Oops! it is a mistake. Applying for funds to many loan companies at the same time makes your application more prone to rejection. Multiple applications bring many search footprints due to credit checks performed on your credit file. This makes the applicant look credit hungry and the lenders act reluctant and may even reject the application. Never do this and apply to only one lender at a time.

Not staying loyal to the lender

Do not think there are many other options, as the lenders may want to know why you left the last one and then may raise doubt on your affordability. Why not keep a focussed mind and find a lender that you can rely on and then stick to it. Stay loyal with the lender and cooperate in every possible way. Give due response to calls and provide every necessary financial detail.

Home improvement can make your home a best place to return at the end of the day. Borrow funds but wisely and take only the required amount to prevent any money mess later. Wise financial decisions bring happiness in home and it feels as if the whole world is smiling.


  • 5 points act decisive in home improvement loans
  • What is your credit score performance?
  • Is the loan secured or unsecured?
  • Home much amount you want to borrow?
  • What is your preferred repayment plan?

Description – Home improvement loans make the comeback of life and liveliness easier. Borrow funds online and revive the ‘feel at home’ feel with an absolutely new look of your house.