A modern extensionLuxury kitchen with a marble finish islandA modern, luxurious bathroom with dramatic walk in shower
Introducing the Selina Home Improvement Line of Credit

Make one day, today

Extension, kitchen refurb, new bathroom? All three?

Borrow against the equity that you’ve built up in your property.
Get a credit limit from £10k to £1m.
Only pay interest on the money you spend.
No early repayment charges. Ever.
Use the credit limit flexibly for up to 5 years.
Get a quote in 2 minutes
Authorised and regulated by the FCA
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Lower rates, higher limits

The best deal for your home

The Selina Home Improvement Line of Credit is secured on your property so you can access rates much lower—and credit limits dramatically higher—than those offered with personal loans and credit cards.

See how much you’re eligible for in 2 minutes
No hard credit check
Get your funds in five days
Get a quote in 2 minutes
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
Graph displaying average interest rates for different types of loans
More budget when you need it

Headroom for the things you want. And for those you could do without.

Home improvement projects often go over budget - don’t get caught out scrambling for credit cards and personal loans when the unexpected hits.

You could get a higher credit limit and give yourself a buffer. You’ll only pay back what you spend, so give yourself peace of mind.

Kitchen units
Kitchen units
£12,000
Oven + white goods
A double oven
£2,000
Installation
Installation of kitchen units
£8,000
The old lead water pipe you didn’t see in your crystal ball
An old lead pipe
£😡🤬😤
ERC free zone

Say goodbye to early repayment charges

Unlike most secured loans, you’ll never incur an early repayment charge with a Selina Home Improvement HELOC.

Whilst most customers choose to payback over 5-30 years, if you’re expecting a windfall, a pension lump sum or an injection of cash, you can upgrade your home today and clear the balance whenever you’re ready, without paying extra.

Exclusively for homeowners

So, erm, what’s a line of credit?

It’s a type of loan, popular in the US, Canada and Australia and now new to the UK market, known as a HELOC (Home Equity Line of Credit).

Imagine a credit card or an overdraft but with a limit between £10k - £1m. That’s the Selina Home Improvement Line of Credit, the most flexible way to pay for the home you’ve been dreaming of.

A modern, light kitchen island
A marble tiled bathroom

Find out how much you could borrow in two minutes

We can give you a quote using only a soft search which doesn’t leave a footprint, or affect your credit score.

Get a quote in 2 minutes
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
A lady using a laptop

Customer reviews

Money in your pocket

Apply online, get funded quickly

The Selina Home Improvement Line of Credit is secured on your property so you can access lower rates and higher credit limits than those offered with personal loans and credit cards.*

Take 2 minutes to check your eligibility
Speak with an advisor and get a fast decision
Get your funds, fast
Check your balance, make payments and withdraw money when you need it
Get a quote in 2 minutes
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

* Our research has shown that the average rate for personal loans as of 01/02/2023 is 10.6%. The average rate for Selina Finance customers over the past 6 months is 6.51%. Accurate as of 02/02/2023.
A mobile phone screenshot of the Selina web app