Home improvement projects — from essential repairs to energy-efficiency upgrades — often require dedicated funding. Steller Finance’s Home Improvements Loan is tailored to homeowners seeking finance for renovations, extensions, roofing works and renewable energy installations. We advise on loan structures that align with the project timeline and anticipated increase in property value where applicable.
Our process involves a detailed appraisal of the project scope and budget. We collaborate with clients to determine whether an unsecured personal loan, secured loan or a home improvement-specific product is the most suitable option. Where larger projects are planned, we consider staged drawdowns and milestone-linked payments to ensure funds are available as work progresses. We provide transparent guidance on interest rates, terms and any security requirements. Steller Finance also assists in preparing accurate cost estimates and supporting documentation for lender assessment.
Clients are advised on regulatory permissions and contractor diligence to minimise project risk and ensure compliance with building regulations. Post-completion, we review repayment options and potential refinancing opportunities that may reduce the overall cost of borrowing. Our aim is to facilitate improvements that enhance the quality and value of clients’ homes while ensuring the chosen finance is commercially sound.
