Renovation Mortgages
Whether you’re planning a whole-house refurbishment, restoring a neglected property or making energy-efficiency improvements, our Renovation Mortgages are designed to help you create a more comfortable, sustainable and future-ready home.
Your home may be repossessed if you do not keep up repayments on your mortgage
Which Renovation Mortgage is Right for You?
Renovation 80% & Renovation 80% Large Loan are designed for homeowners and buyers looking to improve existing properties through renovation, refurbishment and retrofit. It may be suitable if you’re modernising an older home, upgrading a non-standard construction property, improving a neglected building or carrying out works that enhance comfort, sustainability and energy efficiency.
Renovation 90% & Renovation 90% Large Loan are intended for larger-scale renovation projects where significant investment is needed to transform a property. It may be suitable for whole-house renovations, extensive structural works, major refurbishments and the restoration of derelict or long-neglected properties, with funding designed to support the project through its different stages.
All products support projects that improve a property’s condition, sustainability and energy performance, helping to bring existing homes up to modern living standards.
Renovation Mortgages
Renovation Mortgage 80%
For loans up to £1.25m, borrow up to 80% of the property’s value on a repayment basis, or up to 65% interest-only (or part repayment and part interest-only).
Renovation 80% Large Loan
For loans up to £2m, borrow up to 80% of the property’s value on a repayment basis, or up to 65% interest-only (or part repayment and part interest-only).
Renovation Mortgage 90%
Borrow up to 90% of the property’s value on a repayment basis, or up to 75% interest-only (or part repayment and part interest-only).
Renovation 90% Large Loan
For loans up to £1.25m, borrow up to 90% of the property’s value on a repayment basis, or up to 75% interest-only (or part repayment and part interest-only).
Daring to be Different
Renovation isn’t one‑size‑fits‑all — and neither is our approach. We help you move from the home you have to the home you want to create. From lighter‑touch upgrades to deeper retrofits, we champion energy‑efficient improvements and the people who make them.
Our C‑Change discount recognises energy efficiency gains — rewarding you for creating a better‑performing home.
And to give you even more support, we’ve partnered with Retrogreen to offer free access to personalised retrofit plans and practical advice — helping you choose the right upgrades before you apply.
Proudly an Ethical Consumer Best Buy for mortgages and rated ‘Excellent’ on Trustpilot and Smart Money People.
Find out how much it costs to improve comfort, cut energy bills, and raise your EPC rating.
