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Garden Renovation Finance

your ultimate one-stop-shop for garden renovation finance in UK

Add some ‘funk’ to functional.
Spruce up your garden to your eclectic taste.

LoanTube is a credit broker not a lender. You must be 18 or over and a UK resident.
LoanTube is a credit broker not a lender. You must be 18 or over and a UK resident.

Your loan requirements

Comparing won’t affect your credit score.

LoanTube is a credit broker not a lender. You must be 18 or over and a UK resident. Representative 79.5% APR

Loans up to £35,000

Borrow for 12-84 months

Loans for homeowners and tenants

Bring your indoor fun outside

How does a garden loan work?

Gardens are the doorway to serenity. There’s a myriad of ways for you to make your garden more functional – you could play around with the idea of a fancy patio, perch, deck, canopy, garden bar or even an outdoor cinema!

There are endless opportunities to reimagine the perfect garden scape. Let LoanTube help you bring your vision to life – compare loans with guaranteed APRs and choose an offer that suits you best.

What are the benefits of upgrading a garden?

A Landscaped garden can boost property value by a whopping 77%! On the other hand, if you go for essential garden upgrades by adding popular outdoor elements like a deck or porch, you can expect a boost of up to 20% in the market value of your property.

How much does a garden renovation cost?

Well, it all depends on the type of features that you’re looking to add to your garden. On average, a transformational garden makeover could cost you anything between £3,000 and £15,000. Here are some add ons that can make your garden strikeout:



Cost/Unit (Average)


Per m2


Turf (including top soil and labour)

Per m2



Per m2



Per m2



Per m2

£80 to £160

Water feature

Small pond + installation



Per m2



Per m2


A few upgrades here and there can make your garden bloom! Count on us to cover the costs!
Split the cost of your venture into affordable monthly instalments with a garden loan via LoanTube.

How much will a garden room cost me?

A garden room can boost your garden’s value by 2.5%. Typically, more spacious garden room costs start from £7,479 to £15,547 for advanced mod cons. A garden renovation loan from LoanTube could help you cover the costs easily, covering all the extra expenses.

What to consider before borrowing a garden loan?

Garden renovation can be a massive addition to your property value, but there are a few things to consider before you move forward with your decision. Here are some questions that you can ask yourself to assess which type of garden renovation is right for you:

• Can I build a shed or outbuilding in my garden?
Generally, you won’t need planning permission to build a timber shed or outbuilding in your garden, but there are specific building regulations to follow. If you’re keen on getting one, consult a specialist with apt knowledge of the building guidelines.

• Will I need a planning permit to make a paved driveway?
Suppose you’re looking for the primary pavement to amp up your driveway. In that case, you won’t need planning permission as long as you use a permeable surface like gravel, permeable concrete or porous asphalt.

However, planning permission will require a paved driveway covering more than 5 square metres with nonporous surfacing.

• Do I need planning permission to go through with basic landscaping?
You can perform a myriad of landscaping and gardening techniques without planning permission – for instance, adding grass, flowerbeds, or constructing a patio. However, since regulations vary from one area to another, it would be best to check with the local authorities before making any significant changes. You might, especially, need planning permission for garden renovation if you live in a conservation area.

• What regulations do I need to keep in mind?
Landscaping and gardening can have an ecological impact on both flora and fauna. Thus, if you’re living in an area with protected species, be sure to check with the concerned authorities. Plus, you’ll be required to meet the regulations about any Tree Preservation Orders on your property.

How much value will a well-maintained garden add to my home?

A well-maintained garden can boost your home’s value by 20%. Plus, utilities like a deck, patio, shed, or porch can further enhance the functionality of your garden.

How much can I borrow for Garden Renovations costs?

Crunching numbers was never this easy – check your affordability at the click of a button. Secure your future by making an informed financial decision.

Calculate monthly payments

What is the purpose of your loan ?
How much do you wish to borrow?
What repayment term would you like to choose ?

Representative Example

Loan Amount


Loan Term

18 Months

Total repayment


Monthly repayment





59.97% p.a (fixed)

*The rate you get will depend on your individual, financial circumstances. Late repayment can cause you serious money problems. For more information, go to moneyhelper.org.uk.

Apply for a loan for your Garden


Tell us how much you need, for how long, and for what purpose.


We find you the loan offers you qualify for from multiple lenders.


Select the loan that best matches your circumstances, and Get Funded.

Why choose LoanTube?

You can’t put a price on happiness, but it doesn’t have to burn a hole in your pocket.

We've partnered with the best in the business

Offers from highly reputed FCA – certified lenders to help with your financial needs
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Do I need to apply for a planning permit for my garden?

You will not need planning permission to conduct a small-scale renovation of your garden. However, to make any critical changes, you will be required to seek additional consent before commencing your project.


Here are some critical regulations for building a garden room or garden office (timber shed or outbuilding) that you should keep in mind:


⦁ The internal size of the structure should be limited to 30 square metres.


⦁ The size of the structure cannot exceed 50% of the land surrounding the house.


⦁ The plan should not be closer to a road than the house.

Can garden renovation affect my council tax?

Transforming your garden will not affect your tax band as long as you live in the renovated property. A tax band change will only come into effect once you sell your property.

How long will it take to upgrade my garden?

A garden renovation project usually lasts for 1-3 weeks.

What is the maximum amount that I can borrow through LoanTube?

You can borrow up to £35,000 over 12-84 months with LoanTube.

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We do not sell your data, unsolicited, with any third party firms. Find your match with LoanTube without risking your data – Apply for home improvement loans with confidence.

Representative APR Example

The rate you are offered will depend on your individual circumstances.

Representative APR Example: On an assumed loan amount of £1,000 over 18 months. Rate of interest 59.97% per annum (fixed). Representative 79.5% APR. Total amount payable £1,554.10 of which £554.10 is interest. 17 equal monthly repayments of £86.09, and the final month’s payment of £90.57.

Some of the offered loans might be classed as High Cost Short Term Loans. APR rate starts from 18.22%. The maximum APR rate is 1721%, but you will get a personalised rate tailored to you. The minimum repayment term is 3 months, the maximum repayment term is 7 years. The minimum loan amount is £250 and the maximum loan amount is £35000.

Warning: Late repayment can cause you serious money problems. For more information, go to moneyhelper.org.uk

Credit subject to status & affordability assessment by Lenders.

LoanTube is a credit broker and not a lender.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on any debt secured against it.

Not all borrowers will qualify for a loan. The operator of this website does not engage in any direct consumer lending, we simply provide you a FREE loan brokering service. This means LoanTube does not charge customers a fee for using its introducer services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement with them following an introduction by LoanTube.

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