Unsecured home improvement loans for smaller refurbishments

Family painting - small

FlexiCredit allows you to finance smaller home improvements and repairs. FlexiCredit requires no collateral.

  • Loan amount: from 2,000 euros to 50,000 euros
  • Loan period: 1–8 years
  • Refurbishment examples: painting and wallpapering, a small kitchen or bathroom renovation.

Secured home improvement loans for larger renovation projects

Renovation - couple checking the floor material - small

Secured loans are suitable for mid-sized and large renovation projects. Secured loans always require collateral.

  • Loan amount: more than 15,000 euros
  • Loan period: 1–20 years
  • Renovation examples: renovating the kitchen or bathroom, replacing windows and doors

Renovation loan for major overhauls to improve your home's infrastructure

Energy-efficient renovations solar panels - Small

A renovation loan is a loan intended for modernising a home. A renovation loan always requires collateral.

  • Loan amount: depends on the project
  • Loan period: 1–30 years
  • Renovation examples: replacing the heating or electrical system, renovating the roof.

What is the difference between secured and unsecured home improvement loans?

An unsecured home improvement loan doesn’t require any collateral from you,

unlike a secured home improvement loan, which you will always need to secure with collateral. Assets that can serve as collateral include the home you’re renovating, an investment property or other assets, such as deposits.

Read more about collateral

Home improvement loan for your new home
Home improvement loan for your existing home
Home modernisation
Home energy assessment

Do you live in a detached or semi-detached house? We want to help you improve your home's energy efficiency!

Are you interested in making an energy-efficient renovation but find it difficult to assess what you should do and how much it will cost?

You can save energy through various means, but it may be difficult to assess their effect on energy consumption. Through us, you can order a home energy assessment, which will help you establish the ways you can save energy in your home at a reasonable cost. The assessment will help you understand better how much the various renovations will cost, how long it will take to repay them and how much saving potential they have. These will all be presented in simple tables and graphs. 

The home energy assessment is always based on a case-by-case calculation of the life cycle of the technical services, taking into account the physical operation principles of the building structures. The content of this service can be tailored to your wishes. You can get started with ordering the assessment by submitting your preliminary loan application to us. Once we have received your application, we will call you and tell you more about the assessment.

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Read more about the different options we offer:

Energy-efficient renovations

An energy-efficient renovation replaces systems or structures to improve your home’s energy efficiency. You can get a loan from us for energy-efficient renovations with a lower margin than for regular renovations.

Read more about energy-efficient renovations

Credit card

If you need to buy renovation supplies or new furniture, a credit card may prove handy. Many credit cards come with useful insurance policies and allow you to make purchases covered by the Finnish Consumer Protection Act.

Explore our credit cards

HomeFlex

Have you repaid your home loan almost completely? HomeFlex is a loan that allows you to release equity from your home when it’s completely or nearly debt-free. You can use the loan to finance major renovations, such as new pipelines, for example.

Learn more about HomeFlex

Frequently asked questions about home improvement loans

In focus

Read our tips and advice for home improvements: