Home Improvement Scheme

How we can help

The Home Improvement Scheme helps older homeowners to improve and repair their homes at no upfront cost, and no monthly repayments.

Better, warmer, more comfortable home: maximise the value of your home, and make your home suit your needs in later life

Peace of mind: No upfront payment, no negative equity, you retain ownership, no repayment until your property is passed on or sold

No stress: we manage the whole process, from understanding your needs, to managing the contractors and all the works. The work is guaranteed and warranted under the works contract.

If you can answer ‘yes’ to the following, the Home Improvement Scheme could be for you.

  • I am a homeowner
  • I am over 55 years of age
  • My home is in a significant state of disrepair and/or requires adaptation
  • There is either NO mortgage or only a SMALL mortgage currently outstanding on the property


7 steps to hassle-free home improvements

Step 1

Call us on 020 7997 7333 to arrange a meeting with one of our team members. We can refer you for advice on your benefits and any grant you may be entitled to.

Step 2

If you think the Scheme is right for you, then we will refer you to an Equity Release Advisor who will provide more detail about the loan. The loan is a regulated product from an established mortgage provider, so you are protected from mis-selling or unfair practices.

Step 3

Your Equity Release Advisor will help you apply for a home improvement loan.

Step 4

Once you receive the loan details, if you decide to go ahead with the work, you sign the contract.

Step 5

We arrange an independent survey and valuation of your home and its needs. You agree with us what work you would like done, and we commission a building company from our approved panel of contractors.

Step 6

We project manage all the work, and payments, and particularly importantly, help arrange any temporary storage or accommodation you may need.

Step 7

The London Rebuilding Society works contract provides guaranteed finished work, so you are free to relax and enjoy the comforts of the improvements to your home.