Home Improvement Loans

Applicants must own the property and must occupy the property as their main home

Proof of identity must be provided by giving either a valid full passport or details of your national insurance number

Proof of ownership according to the council’s procedures at the time of application must be given

The property must be the applicant’s only and current residence and be within the boundaries of Test Valley Applicants must have a household income of less than £20,000 gross per annum and savings of less than £10,000

Yes, some properties are excluded:

Commercial properties where the planning use is part commercial only self- contained dwellings with separate access will be considered.

Properties that are subject to closing or demolition orders.

Mobile homes (including fixed homes covered by the Mobile Homes Act 1983), caravans and houseboats.

The loan can be used for properties that:

• fail the council’s health and safety standard because they are unfit or have category one hazards rated on the housing health and safety rating system or are in substantial disrepair and/or
• need minor work or adaptation and/or improvement to allow independent living for the applicant or a member of their family living within the property and/or
• need additional energy efficiency works where the work is not covered by any grant-funded scheme.

• 100% of the cost of the eligible works, including VAT
• A maximum of £10,000 is available for eligible works 

Interest is payable, fixed 2% above the Bank of England base rate at the date the application is made.