Home improvements

Fund your renovation project by unlocking equity

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Borrow £10k - £500k
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Rates starting from 7.59%
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No impact on your credit score
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Authorised and regulated by the FCA
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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
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Use the equity in your property to transform your home

If you’re a homeowner with equity in your property, you can leverage it to finance your home improvement projects. Borrow up to £500k against your home with Selina’s flexible financing options, all without changing your existing mortgage terms.

With a secured loan (also known as a second charge mortgage), you benefit from lower interest rates compared to credit cards or personal loans, and you can spread the cost over a period that suits you.

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Why choose a HELOC?

Total flexibility

Access funds when you need them, paying interest only on the balance you use. No need to work out exactly how much you’re going to need.

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Lower rates

Enjoy rates that are lower than most unsecured credit options like credit cards and personal loans.

No early repayment fees

Repay at any time without penalties, reducing your overall costs.

Discover your borrowing power

Get a quote in just a few minutes

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Borrow £10k - £500k
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No impact on your credit score
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Rates starting at 8.64%*
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Authorised and regulated by the FCA
Get a quote
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A HELOC of £100,000 drawn out in full over 25 years results in 300 monthly payments of £850.49 at a variable rate of 8.64%, set at 3.89% above the Bank of England Base Rate. The total cost over the full term is £255,147.00 which includes £155,147.00 of interest, a £3,000 arrangement fee and a £1,395 product fee added to the balance. APRC: 9.56%
Great news, your loan has been approved
Buffer for unexpected costs
Our HELOC gives you the flexibility to add a financial cushion for unforeseen expenses.
Cost effective
Only draw funds when you need to pay suppliers, minimising interest costs.
No early repayment charges
Pay off your loan early without penalties or hidden fees, giving you complete control over your finances.

Reduce project stress with the UK’s most flexible secured loan

Find the right product for you

Home equity line of credit

Draw and repay funds as you need over a five year period. No early repayment charges and credit limits up to £500k.
Best for:
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Home improvements
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School fees
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Outlays without fixed costs
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Homeowner loan

Receive a single lump sum from day one. Ideal if you need instant access to a fixed amount
Best for:
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Debt consolidation
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Vehicle purchase
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Outlays with fixed costs
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Get peace of mind with our personalised service

Whether you’re self-employed or have had issues with high-street banks, we offer a flexible and holistic approach to your financial situation. Our dedicated team will understand your specific needs and help you find the most cost-effective solution, whether it’s for school fees, home renovations, or consolidating debts.

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What people say about Selina Finance

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How to apply

A simple, hassle-free process

1

Check your eligibility

Answer a few simple questions in just two minutes.

2

Get a personalised quote

Complete your full application in ten minutes. There’s no commitment, and getting a quote won’t affect your credit score.

3

Speak to an advisor

We’ll understand your situation and goals before recommending the right product.

4

Submit your documents

If you decide to proceed, provide the necessary documents, and you could receive the funds in as little as 48 hours.

Get your quote now – it only takes two minutes and won’t affect your credit score.

Get a quote

Your questions, answered

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments.