Personal loans
Personal or unsecured loans normally let you borrow up to £25,000 without the need to put up any collateral. They often have slightly higher APR, and may be more suited to moderate projects like redecorating and redesigning your rooms, or perhaps installing a new kitchen.
Personal loans are less suited to major structural works, such as adding a conservatory or a loft conversion. These jobs tend to take a lot of money and time, and a sufficiently large unsecured loan may not be available.