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Home Office Finance

your ultimate one-stop-shop for office finance in UK

Organization of a workplace, serenity of your home. All great stories start with a home office!

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

An office away from the office

How does a home office loan work?

The pandemic has altered the way we live and work. Working from the same place you live in can leave you feeling bored and unmotivated. A home office makes for the perfect solution to your ‘WFH’ woes.

Get inspired in a cosy home office or shoffice, just a few steps away from the comfort of your bedroom. Plan your venture with LoanTube – compare real rate home office loans from multiple lenders at the click of a button. Spread the cost of your experience into affordable monthly repayments with LoanTube.

What are the benefits of a home office?

More than 55% of the Brits have reported increasing their productivity while working from a home office. A survey also revealed that people saved over £44.78 weekly on average since the commute and distractions were cut to a bare minimum.

As long as you invoke a sense of self-discipline, working from a home office can save your time as well as money. Plus, a potential 10% increase in the value of your property is the cherry on the cake!

How much will a garden office cost?

The scale of your home office project will determine its cost. Here’s an idea of how much fee you may incur:

Type of Renovation 

Estimated Garden Office Cost

Budget home office


Mid-range home office


Elaborate home office setup 


Shed Office or ‘Shoffice’

£10,525 to £35,898

If you’ve found solace in working from home, getting a home office to set up your workstation can be a long-term investment. Take the financial burden off with LoanTube – borrow up to £35,000, enough to cover labour and material costs.

What to consider before borrowing a home office loan?

Home office and shoffice can add a lot of gravitas to your property. Whether it’s a simple yet elegant setup within a vacant room in your house or an elaborate outdoor office project, there’s a lot that you need to consider before building a home office. Here’s what you can start with:

• Is my house suitable for a home office/shoffice?
Many people think of simply converting an empty room into an office when it comes to home offices. However, building an office outdoors makes more sense if you have a growing family, use those rooms regularly, or don’t relish working inside your house. You could consult a specialist to check whether your garden or home is suitable for constructing a home office.

• What type of home office should I get?
Depending on your budget and quirks, you could choose the type of home office that you’d like to get. For instance, those who plan on sticking with the ‘WFH’ regime may spend more extensively on the project than someone who is only looking for a temporary setup.

• Do I need planning permission to build a home office?
Most shed or garden offices do not need planning permission as long as the structure’s height doesn’t exceed 2.5 metres at the eaves and 4 metres at the highest point. Although, there may be some building regulations that you’ll need to keep in mind. It would be best to seek the help of a specialist who is well-versed with the guidelines.

• What building regulations do I need to keep in mind?
When building an outdoor office, it is essential to ensure that the structure doesn’t cover more than 50% of the area surrounding your home. You will also need to take any sheds or outbuildings that prevail in your garden.

How much value will a home office add to my home?

A well-built home office or shoffice is not only a retreat from home but also a cost-effective way of increasing the market value of your property. A home office gives your house a 10% boost on the property ladder.

How much can I borrow to build my Home office ?

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 to cover your Home office finance


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.

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Do I need to apply for planning permission for a shoffice?

Home office or shoffice come under the permitted developments you can make in your home without planning permission. Although, you must ensure that your shoffice doesn’t span over more than 50% of the area surrounding your house.

Will a home office or outdoor office affect my council tax?

A change in tax bands comes into play only when you leave the property you currently reside at. Thus, your council tax will likely remain the same as long as you live at the property where you build the home office.

How long will it take to build a home office?

It depends on the type of home office you choose – a home setup could take a few days to assemble but more extended if you build one from scratch.

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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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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