Home Improvement Search

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Home Improvements Loan

Financing any additional work on your home from a loft conversion to remodeling the master bedroom is going to be expensive; home improvement loans are an ideal way to carry out necessary maintenance and remodeling. Very few people want to attempt many of these home improvements themselves so tradesmen such as electricians, plumbers and carpenters will need to be employed. Not every owner will want to have a secured loan as it is based on the equity available, but zero equity home improvement loans are readily available.

Loans that do not require security are quite flexible and even new homeowners can apply. The maximum period for finance without any form of equity can be up to fifteen years. The primary stipulation when applying for a loan without equity is the combined income of both owners but the amount of the loan must not be higher than the amount allowed by the county law where the home is situated.

The eligibility of the borrower, the property type and the improvements planned are all considered because this type of loan may only have minimal documentation and is relatively easy to process. The difference with a secured home improvement loan means the value of the property is taken into account so when there is spare equity, the loan is basically taken out of this. The upside to this type of secured loan is it's available at more favorable rates of interest but is not arranged as a second mortgage on the property.

How much you can borrow on a secured loan depends on the equity in your home. All factors are considered before a final amount is agreed upon and that includes how much is owed on the mortgage, its current value and what other debts the owners may have. The lenders will assess all this information before furnishing the homeowner with the amount they are prepared to lend them.

Although it is not set in stone, the amount they are prepared to lend will be based on a percentage of the property valuation but some lenders will actually lend as much as a quarter again as the property is worth. Because you are lending money against your home, it is important that you borrow carefully and you do not overextend yourself or you will be putting your house at risk. So when you arrange a home improvement loan, it is best to use it only for necessary repairs and make renovations or home additions only when you have the money to spare.