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Home Improvement Loans

The Home Improvement Loan is designed for home owners whose properties need essential repairs, improvement or adaptation and who do not have the funds available to carry out the work. The Home Improvement Loan scheme provides you with all the support and guidance you need to see the home improvement process through from start to finish.

It is provided by The Parity Trust, a socially responsible not-for-profit lending organisation. They work in partnership with 16 local authorities across the South (including Gosport Borough Council) to guarantee a low interest rate of around 5.49% (5.63% APR).

What Can You Use the Home Trust Loan for?

Subject to eligibility:

  • Home Improvements
  • Repairs
  • Adaptations
  • Heating
  • Grant Top Ups
  • Landlord Loan
  • Leasehold Common Parts works, for example roofs and heating

What are the Benefits?

  • Low cost and tailored to your needs: designed to suit your budget.
  • Guaranteed, fixed rate: a low, fixed rate of interest, guaranteed for the full term of the loan.
  • Specialist service: The Parity Trust offer the support of a dedicated Home Improvement Loan officer who is able to carry out home visits.
  • Early settlement: you may make overpayments or settle the loan in full without penalty.

The Council is legally unable to offer financial advice directly. Before deciding whether to take out a loan for home repair or improvement, the Council recommends that owners seek proper information from independent financial advisors, or The Parity Trust Telephone: 023 9237 5921.

Apply online here

For more information about the Home Improvement Loan, please visit

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