Home improvement loans
Your dream home starts here
Used responsibly, a HELOC can provide valuable benefits. However, as it is a second charge mortgage (also known as a secured loan), consider how it might affect your ability to secure additional borrowing in the future. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Discover the Selina HELOC, the UK’s most flexible loan
More than £600m in equity unlocked with Selina
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Lower rates than personal loans & credit cards
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Quotes in minutes and funding shortly after approval
Join more than 4,000 UK homeowners who have unlocked their home’s value with Selina
How big could my credit limit be with a HELOC?
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Why choose a HELOC for funding home improvements?
A Home Equity Line of Credit (HELOC) is a secured loan that lets you unlock the value in your home to fund major improvements without changing your existing mortgage.
You receive a credit limit and can draw funds as needed, repay, and reuse the available balance for up to five years. This makes it ideal for renovation projects where costs can shift over time. You only pay interest on what you use, and you’ll need to make monthly repayments.
There are no ongoing fees, no need to remortgage, and no unexpected costs. Whether you’re updating a kitchen, converting a loft or improving energy efficiency, a Selina HELOC gives you simple, flexible and affordable credit that works around your project and your budget.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Reduce project stress with the UK’s most flexible secured loan
Fund your renovation, your way
Access your credit limit in stages, ideal for phased projects like extensions, lofts, or kitchen upgrades.
Buffer for unexpected costs
Builders’ quotes can change, but with our HELOC, you stay cash-ready. Our HELOC gives you the flexibility to add a financial cushion for unforeseen expenses.
Stay in control of your cash flow
Projects often take longer than expected. Flexible drawdowns for up to 5 years lets you stay ahead, ensuring you are prepared for any delay.
Unlock energy efficient upgrades
Use your home’s equity to increase its future value with green investments such as better windows, boilers and solar installations without dipping into savings.
How the Selina HELOC works
Set your borrowing limit upfront
Choose your draw period
You’re in control
Easy payments when your draw period ends
One facility, many possibilities
Your life isn’t one-size-fits-all,your borrowing shouldn’t be either. Renovate now, pay school fees later, support your business in between. A Selina HELOC adapts as your needs do, without the hassle of reapplying every time.
How Selina’s HELOC compares against other financing options
Why choose home improvements loans with Selina Finance?
A simple, hassle-free process
Check your eligibility
Answer a few simple questions in just two minutes.
Get a personalised quote
Complete your full application in ten minutes. There’s no commitment, and getting a quote won’t affect your credit score.
Speak to an advisor
We’ll understand your situation and goals before recommending the right product.
Submit your documents
If you decide to proceed, provide the necessary documents, and you could receive your funds shortly after approval.
Get your quote now — it only takes two minutes and won’t affect your credit score.
Get a quoteYour questions, answered
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments.
