Home Works Loan — Up to €100,000 | SOFIES
Renovate, extend, and add lasting value. SOFIES home improvement financing up to €120,000 over 20 years with progressive fund release.
2.5%
APR from — Competitive fixed rates
€100,000
Maximum loan amount available
15 years
Flexible repayment duration
Renovate. Beautify. Add value.
Kitchen, bathroom, insulation, heating, extension — the SOFIES home works loan funds all your home improvement projects up to €100,000, with funds released progressively as work progresses.
Preferential rate, terms up to 15 years. Every euro spent on works adds to the value of your property.
Loan terms and features
Loan Amount
Up to €100,000
Based on project scope
Repayment Term
From 1 to 15 years
Term adapted to project
APR
From 3.2% APR*
Preferential rate for works
Security
Based on amount
Mortgage if required
Why choose this loan?
- Preferential Rates: Advantageous conditions for all home improvement projects
- Progressive Disbursement: Funds released as work actually progresses
- All Projects: Renovation, extension, fittings, equipment
- Immediate Added Value: Every renovation increases your property value
- Expert Guidance: Personalised support to optimise your project
Eligibility criteria
Project conditions
- Works on primary or secondary residence
- Detailed quotes from qualified contractors
- Compliance with building regulations
- Administrative permits where required
Required proof
- Invoices or signed quotes
- Income proof for last 3 months
- Title deed or lease
- Bank statements for last 3 months
Required documentation
Personal documents
- Identity and address proof
- Last 3 pay slips
- Latest tax assessment
- Bank statements
Property
- Title deed
- Latest property tax notice
- Home insurance certificate
- Floor plans and surface area
Works project
- Signed detailed quotes
- Technical description of works
- Administrative permits obtained
- Provisional works schedule
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
Legal information
- *APR: Example : for €40,000 over 10 years at 3.2% APR, 120 payments of €387, total €46,440 (credit cost : €6,440).
- Fund release: Funds released progressively on presentation of paid invoices.
- Execution of works: Obligation to complete works in line with submitted quotes.
- Collateral: Mortgage possible depending on amount.
- Borrower insurance: Death and disability insurance strongly recommended.
Your Home Transformed. Starting Now.
Finance your works with SOFIES — dedicated conditions
