Hoskin Home Loans

Home Improvement Loan

You know your home is one of the most important investments you will ever make. You also know that without constantly maintaining and improving your home, it is an investment that will never grow in value. However, what do you do if you do not have the money to make the improvements you are hoping to make? We suggest applying for one of the many home improvement loans currently available in the UK. A secured home loan is one of the best financial tools available to homeowners. These loans allow the individual to leverage the value already in his or her home to borrow large amounts of money with friendly repayment terms. Moreover, as a secured loan, this financing is cheap and fairly easy to get, provided you have equity in your home. Here is a brief, step-by-step guide to obtaining a cheap home improvement loan.

The first step in obtaining a cheap secured loan is understanding how much you are eligible to borrow. You can figure that out by calculating the equity in your home. Equity is the difference between how much your house is worth on the retail market and how much you currently owe on your mortgage. Just subtract your mortgage balance from the retail value of your home; the resulting number will be your equity. For example, a home worth £100,000 with an outstanding mortgage balance of £70,000 has equity of £30,000.

If you do not yet have a family budget, you need to create one in order to determine how much you can afford for monthly loan payments. Those who already have a budget need to adjust it to make sure unnecessary spending is curtailed. Without a proper and reasonable budget in place, it is too easy to become overextended with a secured home loan. That’s not a good idea when you consider the fact that defaulting on a home loan could result in the repossession and sale of your property.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.For more help and advice please do not hesitate to contact us at Hoskin Home Loans or Telephone us on Maldon (01621) 876303 or email us via the contact form below.

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ESSEX TOWNS and VILLAGES COVERED from our Maldon office at Hoskin Home Loans.

Abridge, Althorne, Ardleigh, Arkesden, Aveley.

Barking, Barkingside, Barnston, Basildon, Battlesbridge, Belchamp St Paul, Benfleet, Billericay, Bishops Stortford, Blackmore End, Boreham, Bradwell On Sea, Braintree, Brantham, Brentwood, Brightlingsea, Broxted, Buckhurst Hill, Bulphan, Burnham On Crouch.

Canewdon, Canvey Island, Castle Heddingham, Castle Hedingham, Cattawade, Chadwell Heath, Chafford Hundred, Chappel, Chatham Green, Chelmsford, Chigwell, Chingford, Clacton On Sea, Clavering, Coggeshall, Colchester, Crays Hill.

Dagenham, Danbury, Debden, Dedham, Doddinghurst, Dovercourt, Dunmow.

Earls Colne, Elm Park, Elmdon, Elmstead, Elsenham, Epping.

Fairstead, Feering, Felsted, Finchingfield, Fingringhoe, Flatford, Fordham, Frinton On Sea, Fyfield

Gestingthorpe, Gosfield, Grays, Great Baddow, Great Bardfield, Great Braxted, Great Chesterford, Great Dunmow, Great Easton, Great Saling, Great Totham, Great Wakering, Great Waltham, Great Warley, Great Yeldham.

Hadleigh, Hadstock, Halstead, Harlow, Harwich, Hatfield Peverel, Herongate, Heybridge, Heybridge Basin, High Roding, Hockley, Holland On Sea, Hornchurch, Horndon On The Hill, Horsley Cross

Ickleton, Ilford, Ingatestone, Ingrave.

Kelvedon, Kelvedon Hatch.

Laindon, Langham, Latchingdon, Leigh On Sea, Little Bentley, Little Braxted, Little Canfield, Little Clacton, Little Dunmow, Little Easton, Little Hallingbury, Little Maplestead, Little Waltham, Little Warley, Loughton.

Maldon, Manningtree, Margaretting, Matching Green, Mersea Island, Mistley, Moreton, Mount Bures, Mountnessing, Mundon.

Navestockside, Nazeing, North Fambridge, Northey Island.

Old Harlow, Ongar, Orsett, Ovington.

Paglesham, Panfield, Pattiswick, Pebmarsh, Peldon, Pitsea, Purfleet, Purleigh.


Radwinter, Rainham, Rayleigh, Rayne, Redbridge, Rettendon, Rickling Green, Rochford, Romford, Rowhedge, Roxwell, Roydon.

Saffron Walden, Shalford, Shenfield, South Benfleet, South Hanningfield, South Ockendon, South Woodford, South Woodham Ferrers, Southend On Sea, Southminster, St Osyth, Stanford Le Hope, Stansted, Stansted Airport, Stansted Mountfitchet, Stanway, Stapleford Abbotts, Stevenage, Stock.

Takeley, Thaxted, Theydon Bois, Thornwood, Thorpe Le Soken, Thurrock, Tilbury, Tillingham, Tiptree, Tollesbury, Tolleshunt Knights, Toot Hill.



Waltham Abbey, Walton On The Naze, Wanstead, Warley, Weeley, Wendens Ambo, West Mersea, West Thurrock, Westcliff On Sea, Wethersfield, White Notley, Wickford, Wickham Bishops, Witham, Wivenhoe, Woodford, Woodford Bridge, Woodford Green, Woodham Mortimer, Woodham Walter, Writtle.

Youngs End.