Home Improvement Loans & Financial Assistance

Whether you’re a landlord or home owner, we may be able to provide zero interest loans to make property improvements. We have funding through Welsh Government initiatives as well as our own schemes.

Improvements may include, energy efficiency measures, repairing defects and even redeveloping empty homes. Loan amounts and repayment terms depend on type of work and may incorporate a processing fee. View our Funding and Advice factsheet for useful information.

Home Improvement Loans

Funded via Welsh Government, the purpose of the scheme is to provide short to medium term loans to help home owners improve the condition of their residential property. Loans of up to £5,000 per unit of accommodation can be considered to fund the cost of works necessary to make your home 'secure, safe and warm', such as replacing a roof. All loans will be zero interest however a small fee will be added to cover administrative costs. It will also be necessary to pass an affordability assessment to ensure that applicants are able to afford the repayments.

For more information, or to apply please contact the Robert Owen Community Banking Fund (ROCBF) on 01686 626234 

However, if you’re looking solely for energy efficiency improvements, such as insulation, there may be grant funding available through other bodies such as Welsh Government or your energy provider. We recommend you enquire for such grants before applying for any loan, by contacting the Energy Saving Trust or Resource Efficient Wales.

Disabled and looking for a grant to adapt your home?



If your home is hard to heat, call Nest

The Welsh Government Warm Homes Nest scheme is here to help you keep warm and save money on your energy bills.

Nest is open to all householders in Wales and provides advice on saving energy, money management, energy tariffs, and benefit entitlement.  

In addition to free advice, if you own or privately rent your home and you or someone you live with receives a means tested benefit, you may be eligible for home improvements at no cost. These may include a new central heating boiler or insulation.  

If your home is hard to heat, please contact Nest on Freephone 0808 808 2244 for free advice and to see if you are eligible for energy saving home improvements, or visit www.nestwales.org.uk for more information.

Enquiry form