These loans take the form of personalized loans that can be used for improvements or making addition to your personal property. As these loans are mainly for unique purpose, you can fine some great rates and terms. Helping you qualify for lower rates on the UK home improvement loans is the fact that you have a good credit score. The lender needs to know whether or not you are able to meet the payments on time. Next, the lender would need to know the value of the security against which you opt to take the loan and he would ask for the following documents: your work pay stubs for the past two months, your name on a clear title of your house or any other asset that you are offering for the loan, a document listing the estimated value of your asset and a written up detailed plan of the home improvement you are planning, with the estimated cost from a construction dealer. The main point that you should stress before you apply, is to take your financial situation into consideration before you take a UK home improvement loan.