Home Improvement Loans That Put You First
Whether you're fixing a leaking roof, installing a new kitchen, or finally creating that extra room you’ve always needed, home improvements are an investment in your comfort and quality of life.
At Wessex Community Bank, we offer fair, flexible loans to help you make it happen—without the stress of hidden fees or sky-high interest.
Why Choose a Home Improvement Loan from Wessex Community Bank?
As a not-for-profit bank owned by our members, we design our loans to support your goals—not profit from them.
Fixed interest rates – No surprise rate hikes
No early repayment charges – Pay off sooner without penalty
Top-up flexibility – Need to borrow more later? We make it easy
Personal decision-making – We review each application fairly
We don’t have external shareholders to satisfy—so everything we do is in the best interest of you, our members, and the wider community.
What Can the Loan Be Used For?
Our home improvement loans cover a wide range of projects, including:
New kitchens and bathrooms
Roof repairs and insulation
Double glazing or energy efficiency upgrades
Flooring, decorating, and garden works
Accessibility adaptations
Boiler replacement or heating improvements
Whether you're making your home more comfortable, greener, or just easier to live in—we’re here to help fund your plans.
Loan Features
Borrow from £500 to £5,000
Repayment terms from 6 to 60 months
Interest calculated daily on your reducing balance
Transparent and affordable—with no hidden extras
Try our Loan Calculator to get a quick idea of what your monthly repayment could look like.
Supporting You and Your Community
Wessex Community Bank is here to offer more than loans. When you borrow from us:
You're supporting financial inclusion in your area
Surpluses go back into our community—not shareholder bonuses
You gain access to ongoing support, advice, and repayment flexibility
We’ve been trusted by thousands across central southern England including Hampshire, the Isle of Wight, Berkshire, Surrey, Guildford, Woking and Dorset to provide honest, ethical finance that puts people ahead of profit.
Apply Online in Minutes
Ready to improve your home and your peace of mind? You can apply 24/7 using our secure online system:
FAQs
Do I need to own my home?
You don’t need to be a homeowner, but some improvements may require landlord permission if you’re renting. Speak to us—we’re happy to advise.
Can I apply with less-than-perfect credit?
Yes. We look at your full financial picture, not just your credit score.
How quickly will I get a decision?
Most decisions are made within 1 working day, provided we have all your information.
Make Your House a Home
At Wessex Community Bank, we understand that home is more than bricks and mortar. It’s where life happens. Our home improvement loans help you build the space you need, on your terms.