We provide unsecured Home Improvement Loans of up to £100K, and
secured loans of up to £2 million. Whether you are replacing flooring
in your new home or refurbishing your home, we have the
Smart Loan Solutions you need to get things done.

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Make your dream a reality with our Home Improvement Loans.

Your home is one of your most valuable possessions. So, put your stamp on it. We want you to dream big since our solutions can cover the majority of home improvement needs.

Throughout this exciting journey, it’s still important to be Smart in how you use and obtain finance. The last thing you want is for your dream to become a financial nightmare. Our team in Jersey is there to help you to continue living the dream.

Smart Money can help you build your dream home by empowering you with mar­ket-leading financial support. Do you need a Home Improvement Loan?

Apply today or call us to find out more.


Is your home in need of kitchen and bathroom renovations? Would you like to make your property more valuable? A quick loan could cover kitchen remodel costs and any other renovation services you require.

Whether you’re dreaming of a larger living room or an entirely new wing in your country estate, we can help you achieve this goal with our flexible home improvement loans.

Making your home pristine is important. Our easy loan process can help you bring beauty into your living spaces in no time.

Finance your landscaping design with a Smart affordable home improvement loan.

Optimising your space is important. Let us help you fund additions to your living environment.

Whether you are looking for luxury piscine or architectural dip pool, we can help you finance your customised swimming pool.

Do you require urgent roof repairs? Smart Money can help you access the funds you need for any home repair project.

You might be able to get more value from your current property. Let us help you finance your next home boundary extension.


For example, if you were to borrow £5,000.00 over 60 months at 6.5% per annum (fixed)* (representative 13.3% APR), the total amount repayable would be £6,757.80, of which £1,757.80 is interest. This also includes a documentation fee of £100.

*The interest rate offered, and documentation fee charged on assessment may differ and the representative rate in this example may not be the rate that you receive. The rate you are offered will depend on several factors including the amount you wish to borrow, your chosen term, your personal circumstances, and your credit rating. The maximum APR you could be offered is 29.9%.

Minimum & Maximum Loan Amounts

  • Minimum loan amount is £2,000. Maximum loan amount unsecured is £100,000 (higher if secured).

Minimum & Maximum Repayment Terms

  • Minimum repayment term is 18 months. Maximum repayment term for unsecured lending is 60 months.
  • Maximum repayment term for secured lending is 84 months.

One Liberty Place, Liberty Wharf,
La Route de la Liberation,
St Helier Jersey, JE2 3NY

01534 288966

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Smart Money Business & Personal Loans Jersey