Trusted by thousands of islanders for home improvements loans in Jersey.

Flexible repayment terms. Options to fit your budget.

Dedicated support. Once approved, funds within 24 hours.

Home Improvement Loans

Your home is your sanctuary, and we know that you want it to be the best it can be. That’s where we come in. Our home improvement loans will not only help you make your dream home a reality, but they’ll also make the process a breeze. So whether you’re looking to redecorate, add an extension, redesign your garden or put in a swimming pool, Smart Money has got you covered. Let’s make your home improvement dreams come true together.

Feel good in your home

Is the cost of renovation holding you back from realising your home’s full potential? We can help. Whether it’s a quick refresh or a complete home overhaul, a Smart home improvement loan can get you enjoying your home to the full, right now.

One handy loan

Do you have multiple home improvement projects in mind? Our loan can cover a variety of property upgrades, from a new kitchen to a carport or a garden landscaping project. You can bundle all your projects into one loan for one simple monthly payment.

Unlock future potential

Making those home improvements can actually increase its value, which can be a great return on investment in the long term. With a home improvements loan, you’re not just investing in your home, but also in your future.

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How it works

Apply online now, and you could have funds within 24 hours. Our team of home improvement loan experts in Jersey are on hand to answer any questions you may have, and guide you through every step of the application process.

What could you do with a Home Improvement Loan?

Kitchens, Bathrooms & Home Gyms

Transform your lifestyle with the kitchen, bathroom or home gym of your dreams. Our flexible home refurbishment loans make it easy to create the perfect space to cook, relax and unwind.


Get the extra space you need without the hassle of moving, and add value to your home. With quick approval and easy repayment options, make some room with an extension loan.


Create your dream space, without the price tag. From new paint, furniture and accessories to full home makeovers, Smart Money’s home redecoration loans have you covered.

Garden Redesign

From a landscaped oasis to creating the perfect outdoor space to relax and entertain, a Smart garden redesign loan can help you enjoy the fruits of your labour quickly and easily.

Garages & Conservatories

Make a smart investment in your property, and start taking advantage of all the benefits of your new garage or conservatory right now with our range of flexible finance solutions.

Swimming Pools

Ready to make a splash? With our swimming pool loans, you can dive right into the perks of owning a pool, from family fun to the simple pleasures of lazy poolside lounging in the sun.

Property Repairs

Looking to fix your home but your wallet is feeling the weight? With a Smart loan for property repairs, you can tackle leaky roofs and creaky floors without breaking the bank.

Boundary Extensions

Extend your horizons without overextending your finances. With affordable rates and easy repayment terms, our loans for boundary extensions help you invest in your property now.


We’re here to help.

What can I use a home improvement loan for?

A home improvement loan can be used for refurbishment or renovations to your home. For homeowners, it’s a great way to pay for home improvement projects, whether you want to renovate the kitchen or bathroom, add a new room to your house, or improve your outdoor space with landscaping, paving, a new pool or garage. For more extensive property projects, you may want to check out Smart Money Property Finance.

Why use a home improvement loan instead of increasing my mortgage?

A loan for home improvements has a shorter loan term compared to a mortgage. So although your current mortgage might have a lower interest rate, you may end up paying significantly more in total interest over the length of the term. Smart Money offers a wide range of property lending options. Apply today and our lending experts can walk you through the best home improvement loan solution for your budget and lifestyle.

Can I use a home renovation loan for DIY projects?

Absolutely! Whether you’re a DIY enthusiast or a seasoned pro, a home renovation loan can help you spruce up your space. From covering the cost of buying building materials and tools to hiring electricians, plumbers, engineers or architects, our flexible loan options can make it easy to tackle any project, big or small.

Representative example

For example, if you were to borrow £5,000 over 60 months at 6.5% per annum (fixed)* (representative 13.3% APR), the total amount repayable would be £6,757.80, of which £1.757.80 is interest. This also includes a documentation fee of £100.

*The interest rate offered, and documentation fee charged on assessment may differ and the representative rate in this example may not be the rate that you receive. The rate you are offered will depend on several factors including the amount you wish to borrow, your chosen term, your personal circumstances and your credit rating. The maximum APR you could be offered is 29.9%.

Minimum & maximum loan amounts
Minimum loan amount is £2,000. Maximum loan amount unsecured is £100,000 (higher if secured).

Minimum & maximum repayment terms
Minimum repayment term is 12 months. Maximum repayment term for unsecured lending is 60 months. Maximum repayment term for secured lending is 84 months.