20% OFF

Take advantage of our exclusive online offer

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Flexible Finance Options for Your Dream Home Improvements

Spread the cost of your home improvements from windows and doors to loft conversions and kitchen extensions with 0% finance available and no deposit needed.

FCA Authorised & Regulated
0% Finance Available
No Deposit Required
Quick Approval Decisions

Flexible Finance Options for Your Dream Home Improvements

Spread the cost of your home improvements from windows and doors to loft conversions and kitchen extensions with 0% finance available and no deposit needed.

FCA Authorised & Regulated | 0% Finance Available | No Deposit Required | Quick Approval Decisions

Autumn Sale: 20% Off On All Projects Booked by October 31st and Sign up by September 30th to Guarantee Pre-Christmas Completion + Blue Light Card holders get an extra 10% OFF

Hurry up Limited Time Offer – 20 Slots for Pre Christmas Completion. Filling Fast, Counter Drops Each Week!

From single storey extensions and kitchen upgrades to garage conversions, bathroom makeovers and complete house transformations

Finance Up to £50,000

Flexible finance available – borrow with no deposit and repay over up to 20 years (120 months)

0% Finance Available

Interest Free Credit is available up to £25,000, letting you spread the cost over 36 months

Extra Legal Protection

Finance agreements protected under the Consumer Credit Act 1974.

Benefit from our time-limited exclusive online offer*

20% OFF

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What Makes West Midlands Home Improvements Finance Options Stand Out?

Whether you're planning a loft conversion, kitchen extension, garage build or full renovation, we make it easier to get started – without putting pressure on your savings.

0% Interest Finance – Up to 3 Years

Spread the cost with interest-free monthly payments. No hidden fees, and no interest to pay.

Flexible Finance Options

Spread the cost with finance options up to £50,000. Choose from Interest-Free Credit (0% APR for 36 months), Buy Now, Pay Later, or Interest-Bearing Credit with low APRs.

No Deposit Required

Start your project with no deposit allowing you to keep your savings intact while still transforming your home.

Buy Now, Pay Later

Start your project now and pay nothing for 6 months. Settle within the period with no interest or start payments after.

Unsecured Loans

Access unsecured loans up to £50,000 for up to 20 years, giving you the financial flexibility to fund large home improvement projects without securing the loan on your property.

Clear Communication & Transparency

From start to finish, we keep you updated with WhatsApp project groups and clear quotes, ensuring no surprises along the way.

FAQ's

Do I need a deposit?

No, most of our finance options do not require a deposit. You can start your project without paying anything upfront.

Will applying affect my credit score?

We carry out a soft credit check during the application process, which won’t affect your credit score. A full credit check is only done if you choose to go ahead.

Can I pay off my loan early without penalty?

Yes. You can settle your loan early or make overpayments at any time. Some plans may include a small settlement charge we’ll let you know in advance.

What happens if I miss a payment?

If you miss a payment, your lender will contact you to discuss your options. It’s important to keep in touch with them to avoid charges or affecting your credit rating.

Am I eligible for finance?

To apply, you must be:

* Aged 18 or over (max age 85 at end of term)

* A permanent resident of England, Scotland, or Wales

* Able to provide household income details

West Midlands Home Improvements Limited is authorised and regulated by the Financial Conduct Authority (FCA), 928093. As a credit broker and not a lender, we offer credit through a panel of lenders and may receive commission based on the chosen product and credit amount. Credit is subject to status and affordability. *Terms apply, subject to age, status and affordability.