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Conservatory Finance & Home Extension Loans

Low rate loans from

3.1 % APR

Representative on £7,500 to £25,000

Representative on £7,500 to £25,000

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From early next year, we’ll be rebranding from Hitachi Personal Finance to NOVUNA Personal Finance with a fresh new look and feel. We’re really excited about our new brand and positive you’re going to love it! Find out more

Add space and value to your home with a conservatory or extension loan

If you’re looking to borrow money for an extension or conservatory, our low APR loans could help you turn those blueprints into a reality without the upfront costs.

  • Affordable Home extension loans with APR’s as low as 3.1%

  • Repay your loan over as long as 5 years

  • We bring over 30 years experience in financing home extensions

  • Choose the date your repayments are made

  • No hidden charges or arrangement fees

  • The UK’s Best Direct Loan Provider for 6 years running

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Our price promise

Remember, the rate you are offered may vary due to personal circumstances and loan amount, the majority of our customers receive the advertised rate. However, if you complete an application directly via the Hitachi Personal Finance website and are given a higher APR, we guarantee that you'll never pay more than £233.56 per month with our maximum 31.9% APR Representative when you borrow £7,500 over 5 years*.

The maximum APR you could be offered when you borrow other loan values is 35.9%*. All loans are subject to status.

*Only for applications carried out directly via the Hitachi Personal Finance website

Why choose us for conservatory finance?

A conservatory is a great way to add space, natural light and value to your property, but the upfront costs can add up. Whether you’re building or renovating, we offer a range of conservatory finance options to help you get started.

Why choose us for a home extension loan?

If you want to create space to spread out and spread the cost, a loan for house extension plans could be the ideal solution. From single story side returns to full kitchen extensions, our home extension loans are designed around your plans.

Home Extension Summary

A home extension loan is a type of unsecured personal loan designed specifically for property expansion projects such as new conservatories, kitchen and bathroom extensions, all the way down to smaller jobs like new porches and lean-tos.

Depending on the type of home extension you’re planning, the overall cost may include interior design, contractor fees and building materials, which can quickly add up. With an unsecured home improvement loan from Hitachi Personal Finance, you can get your extension project off the ground without having to pay for everything up front.


If you’re thinking of adding a conservatory to your home, renovating an existing one, or even installing a replacement conservatory roof, you’ll have several options when it comes to financing your project. At Hitachi Personal Finance, our conservatory finance enables you to borrow the money you need to cover the full cost of materials and labour at a pre-agreed fixed monthly cost and for a term that suits you.

We’ve made it easy to apply for conservatory finance online too. Our application takes just 10 minutes and you’ll get an instant decision. Once approved the money could be in your account within 48 hours, so you can get your project off the ground as soon as possible, then repay the loan in manageable monthly payments.

As well as creating extra living space for you and your loved ones, installing or renovating a conservatory can also add value to your home.


You can use a home extension loan for projects of all sizes, from outbuildings and loft conversions to single-storey lean-tos. With Hitachi Personal Finance, you can borrow up from £5,000 up to £25,000 so the possibilities are endless when it comes to your extension plans. Here are a few types of house extensions you could fund with a home improvement loan from us...

  • Conservatory and orangery loans
    Installing a conservatory or an orangery can add extra space and more natural light to your property. With the current interior design trend of bringing the outside in, these external glass structures are an increasingly popular extension option.

  • Loft conversion loans
    If you want more space without having to move to a new house, a loft extension is the perfect solution. There are several different types of loft conversions but typically, the attic space is converted into an additional bedroom or bathroom.

  • Single-storey extension loans
    A single-storey extension expands the ground floor, typically to create more space for a new kitchen, living room or utility room. With more and more of us working remotely, this type of extension can also be used for a dedicated home office.

  • Multi-storey extension loans
    If you want to add space upstairs and downstairs, a multi-storey extension can be applied to any side of the property. Detached and semi-detached houses with external spaces like gardens or driveways are ideally suited to projects like this.

  • Wrap around home extension loans
    If you have space enough to the side and the rear of your property, a wrap around home extension could be the best option for you. This type of remodelling creates an additional L-shaped space, which can be open plan or a new separate room.

  • Cellar or basement conversion loans
    A cellar conversion is the ideal way to add extra space without effecting the external appearance of your property. Whereas loft conversions are typically used for bedrooms and bathrooms, basement conversions are more flexible in their use.

  • Garage extension loans
    Whether you’re in need of some extra space for a new vehicle or considering converting your garage into a multipurpose room, you can also use an unsecured home extension loan for garage conversion and extension projects too.

If you have a growing family, are working from home more often, or things are starting to feel a little cramped, a home extension is a great way to add more space. However, depending on the type of extension you have in mind, the cost of contractor fees, planning permissions, interior design and more can soon add up. If paying for everything all at once isn’t possible right now, a home extension loan could be the answer to your problem.

Not only will a home extension create more living space in the short term, but when it comes to selling your home, extensions are shown to increase property values by up to 30%. That’s why it’s important to consider the potential return on investment against your home extension loan cost.


A conservatory provides homeowners with additional space on the ground floor a light-flooded room to enjoy a sense of the outdoors all year round. With both these features ranking highly on the priority list for buyers, it’s no surprise that a conservatory addition can add considerable value to your home.

According to, a new conservatory could be well worth the investment, delivering a home value increase of up to 10%. This figure varies depending on the quality of the conservatory installed and the type and location of property.


What is the maximum amount I can borrow?

With a loan from us, you can borrow funds up to £25,000 and repay this over 2 to 5 years.


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