Home Renovation

Renovation Loan

Finance your home improvement projects with ease

Transform your home with flexible renovation financing. From kitchen and bathroom upgrades to complete home renovations, we provide tailored loan solutions for projects of all sizes.

pages.renovationLoan.quickActions.startRequest pages.renovationLoan.quickActions.simulate pages.renovationLoan.quickActions.appointment

Other installment credits

Finance Your Home Renovation

Get the funds you need to upgrade and improve your property.

1
Simulation
2
Contact

Configure your simulation

Adjust parameters to estimate your monthly payments

0
0 mois

Your selection

  • ServiceCredit Broker
  • Product

Simulate for free

Adjust the parameters to instantly see your estimated monthly payments.

No commitment
Fast response within 24-48h
100% free service
Renovation Financing Process

Your Renovation Financing Journey

From planning to completion in 5 organized steps

1

Project Assessment

1 week

Define your renovation scope, budget, and priorities. We review contractor quotes and ensure your financing covers all costs including contingencies.

2

Loan Structuring

3-5 days

Choose between personal renovation loans or mortgage top-ups. We compare total costs, tax benefits, and payment flexibility for your situation.

3

Contractor Approval

1 week

Submit contractor estimates and renovation plans. Lenders may require licensed contractors for certain structural work or projects over €25,000.

4

Phased Disbursement

2-6 months

Funds released in stages as work progresses. Pay contractors upon completion milestones with lender verification protecting you from poor workmanship.

5

Final Inspection

1 week

Final loan disbursement upon project completion and inspection. Updated home value may improve your overall loan-to-value ratio for future financing.

Renovation Financing Benefits

Why Choose Our Renovation Loans

Comprehensive financing solutions designed for home improvement projects

Any Renovation

All Project Types

Finance kitchens, bathrooms, extensions, roofing, flooring, and complete home renovations with flexible loan structures

Hover to learn more

All Project Types

From small upgrades to major structural changes, we finance all types of home improvement projects

€5K - €75K

Flexible Amounts

Borrow from €5,000 for minor updates to €75,000 for extensive renovations based on your project scope

Hover to learn more

Flexible Amounts

Loan amounts are customized to match your renovation budget and financial capacity

From 4.2%

Competitive Rates

Access attractive interest rates starting at 4.2% APR through our network of 30+ banking partners

Hover to learn more

Competitive Rates

Rates vary based on loan amount, term, and your credit profile. We compare all options to get you the best rate.

Save More

Tax Deductions

Benefit from tax advantages on energy-efficient renovation investments and certain structural improvements

Hover to learn more

Tax Deductions

Energy-efficient renovations may qualify for regional tax credits up to 30% of project costs

Pay As You Go

Phased Disbursement

Funds released in stages as work progresses, protecting you from contractor issues and managing cash flow

Hover to learn more

Phased Disbursement

Lender verifies completion milestones before releasing funds, ensuring quality workmanship

Under €25K

No Collateral

Unsecured renovation loans available for projects under €25,000 without pledging your home as collateral

Hover to learn more

No Collateral

Smaller renovation projects qualify for personal loans without mortgage registration costs

Renovation Loan
pages.renovationLoan.showcase.badge

pages.renovationLoan.showcase.title

pages.renovationLoan.showcase.subtitle

  • pages.renovationLoan.showcase.features.0.title

    pages.renovationLoan.showcase.features.0.description

  • pages.renovationLoan.showcase.features.1.title

    pages.renovationLoan.showcase.features.1.description

  • pages.renovationLoan.showcase.features.2.title

    pages.renovationLoan.showcase.features.2.description

  • pages.renovationLoan.showcase.features.3.title

    pages.renovationLoan.showcase.features.3.description

pages.renovationLoan.comparison.badge

pages.renovationLoan.comparison.title

pages.renovationLoan.comparison.subtitle

pages.renovationLoan.comparison.columns.0.title

pages.renovationLoan.comparison.rows.0.label
pages.renovationLoan.comparison.rows.0.values.0
pages.renovationLoan.comparison.rows.1.label
pages.renovationLoan.comparison.rows.1.values.0
pages.renovationLoan.comparison.rows.2.label
pages.renovationLoan.comparison.rows.3.label
pages.renovationLoan.comparison.rows.4.label
pages.renovationLoan.comparison.rows.5.label
pages.renovationLoan.comparison.rows.6.label
pages.renovationLoan.comparison.rows.7.label
pages.renovationLoan.comparison.rows.7.values.0
pages.renovationLoan.comparison.rows.8.label
pages.renovationLoan.comparison.rows.8.values.0

pages.renovationLoan.comparison.columns.1.title

Recommended
pages.renovationLoan.comparison.rows.0.label
pages.renovationLoan.comparison.rows.0.values.1
pages.renovationLoan.comparison.rows.1.label
pages.renovationLoan.comparison.rows.1.values.1
pages.renovationLoan.comparison.rows.2.label
pages.renovationLoan.comparison.rows.3.label
pages.renovationLoan.comparison.rows.4.label
pages.renovationLoan.comparison.rows.5.label
pages.renovationLoan.comparison.rows.6.label
pages.renovationLoan.comparison.rows.7.label
pages.renovationLoan.comparison.rows.7.values.1
pages.renovationLoan.comparison.rows.8.label
pages.renovationLoan.comparison.rows.8.values.1

pages.renovationLoan.comparison.columns.2.title

pages.renovationLoan.comparison.rows.0.label
pages.renovationLoan.comparison.rows.0.values.2
pages.renovationLoan.comparison.rows.1.label
pages.renovationLoan.comparison.rows.1.values.2
pages.renovationLoan.comparison.rows.2.label
pages.renovationLoan.comparison.rows.3.label
pages.renovationLoan.comparison.rows.4.label
pages.renovationLoan.comparison.rows.5.label
pages.renovationLoan.comparison.rows.6.label
pages.renovationLoan.comparison.rows.7.label
pages.renovationLoan.comparison.rows.7.values.2
pages.renovationLoan.comparison.rows.8.label
pages.renovationLoan.comparison.rows.8.values.2

pages.renovationLoan.comparison.ctaText

pages.renovationLoan.comparison.ctaButtonText
Home Improvement Financing

Turn Your Renovation Dreams Into Reality

Flexible financing for every home improvement project

Whether you're updating a kitchen, adding a bathroom, finishing a basement, or undertaking a full home renovation, specialized renovation loans provide the capital you need with payment flexibility. Our renovation financing experts structure loans that match your project timeline and budget.

Renovation loans from €5,000 to €75,000 for any home improvement
Phased fund releases tied to project completion milestones
Tax deductions for energy-efficient renovation investments
Flexible terms from 24 to 120 months matching project scale
No collateral required for loans under €25,000
Plan my renovation financing
Modern renovated kitchen with new appliances
Frequently Asked Questions

Renovation Loan FAQ

Everything you need to know about financing your home improvement project

Ready to Transform Your Home?

Get competitive renovation financing and bring your vision to life

100% Free
Fast response
Main action
Apply for Renovation Loan
Alternative
Get a Quote