Finance your home improvements in Jersey.
Adding a kitchen extension in St Lawrence, re-roofing in St Ouen, or fitting a new bathroom in St Clement — home improvements in the Channel Islands can be expensive. A dedicated home improvement loan means you keep your mortgage separate and repay the project cost over a fixed term at a fixed rate.
- Fixed monthly repayments so you know exactly what you owe each month
- Keep your mortgage deal intact — no early repayment charges or remortgage costs
- Borrow enough to complete your project properly, not just part of it
- Fast approvals mean you can book your contractor and start on time
- Competitive rates whether you have a large or modest project
- Available to homeowners and some long-term tenants in Jersey and Guernsey
Quick facts
No obligation. Soft credit check only.
How it works
Tell us your project budget
Complete a short form with your project cost and how long you want to repay. No credit check at this stage.
We compare loan offers
We search Channel Islands lenders and finance companies to find the best rate and term for your project.
Funds arrive, you build
Once approved, funds are typically released within 48 hours. Pay your contractor directly and repay the loan monthly.
Who can apply?
- Jersey or Guernsey resident aged 18 or over
- Homeowner or long-term tenant of property in the Channel Islands
- Provable income to support repayments
- Project must relate to your home (not purely commercial works)
- Poor credit history considered — specialist lenders are available
- Applications from self-employed residents are welcome
Not sure if you qualify? Request a call back — we will tell you honestly what your options are before you apply.
Ready to get started?
Two ways to begin — choose whichever suits you best.
Soft credit check only
No obligation
Decision within 48 hours
Common questions
It depends on your mortgage deal. If you have early repayment charges or a low fixed rate, a separate improvement loan can be cheaper overall.
Most legal home improvements are covered — kitchens, bathrooms, extensions, roofing, windows, and landscaping. We will confirm eligibility when you apply.
Most applications are approved within 48 hours and funds released shortly after. Fast approval helps you book tradespeople without delay.
You do not need to have planning permission before applying. However, permitted development rules in Jersey and Guernsey differ from the UK, so do check your project requirements.
If your costs increase, you may be able to apply for a top-up loan. We will help you explore options without impacting your existing loan agreement.
Ready to take the next step?
Complete a full application online or request a call back and we will do the searching for you.
No obligation. Soft credit check only.
Secure application
Apply Online
Complete your full loan application below. Your information is handled securely and sent directly to our team.
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We've opened an email in your mail app with your application details. Just press Send to submit it, and a member of our team will review it and contact you within one business day to discuss next steps.
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Free, no-obligation
Request a Call Back
Leave your details and a member of our team will call you back within one business day. No obligation, no credit check.
Almost done — press Send
We've opened an email in your mail app with your details. Just press Send to complete your request, and a member of our team will call you back within one business day.
Something went wrong. Please try again or email us at info@nowagogo.com.