How can you finance your works?
A home improvement loan can be linked (tied to a specific quote, and cancelled if the works do not go ahead) or personal. Up to €75,000, no mortgage guarantee is required. Above that, or for works linked to a property purchase, a mortgage is often more suitable.
For energy renovation, French public schemes such as the eco-PTZ (zero-interest eco-loan) or MaPrimeRénov’ can supplement your financing, subject to conditions. Your adviser checks your eligibility.
Which works can be financed?
- Energy renovationInsulation, heat pump, windows, heating.
- Interior renovationKitchen, bathroom, bringing up to standard.
- ExtensionExtension, conservatory, loft conversion.
- ExteriorRoof, façade, swimming pool, landscaping.
How it works
Home improvement loan: the steps
- STEP 1
Your quotes
Tell us the type of works and their cost.
- STEP 2
The review
We review your budget and the available grants.
- STEP 3
The offer
You receive an offer with its APR and total cost.
- STEP 4
The works
Funds are released on presentation of quotes or invoices.
Good to know
What you need to know before committing
Amounts and terms are indicative, subject to approval of your application by the lender.
- Eco-PTZ if eligibleAn interest-free loan for the energy renovation of a main home completed more than 2 years ago.
- Protective linked loanIf the works are not carried out, the linked loan is cancelled.
- 14 days to change your mindThe withdrawal period applies to consumer home improvement loans.
What is the zero-interest eco-loan (eco-PTZ)?
The eco-PTZ is an interest-free loan to finance works that improve the energy performance of a home used as a main residence and completed more than 2 years ago. It can reach €50,000 depending on the works and is offered by banks that have signed an agreement with the French State. The works must be carried out by an RGE-certified company.
Do I need to provide quotes?
For a linked home improvement loan, yes: the quote determines the amount financed and funds are released on presentation of quotes or invoices. For a personal loan, no proof of use is required.
What about works costing more than €75,000?
Above €75,000, financing generally takes the form of a mortgage, with a guarantee (mortgage charge or surety). Your adviser will point you to the most suitable solution.
Our other solutions
Another project to finance?
Personal loan
A sum you can use freely, with fixed monthly payments throughout the term.
Learn more →Car & motorbike loan
New or used vehicle. The loan is cancelled if the sale does not go ahead.
Learn more →Mortgage
Main home, second home or buy-to-let: rate, insurance and guarantees negotiated.
Learn more →Debt consolidation
A single monthly payment that fits your budget. A longer term may increase the total cost.
Learn more →Business financing
Start-up, growth, equipment or cash flow for entrepreneurs.
Learn more →A project to finance?
Apply online. An adviser will get back to you within 24 working hours.