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People who have taken out a loan to pay for home improvements may be wise to spend some of it on making a property more secure, it is claimed.

With October through to December being the popular time for thieves to strike, Saga claims, people may want to use their homeowner loan to add the final touches to a house, including strong padlocks on sheds.

Furthermore, while an extension or new kitchen could add value, people may want to spend that extra bit of cash on protecting their house by installing light sensors and secure window locks, the insurance firm continues.

And you may want to buy such equipment fast after their research found that people are 24 per cent more likely to be burgled in November than February, although such additional home improvements could be paid for with secured loans, which may have already gone towards more expensive projects.

Moreover, such home improvements may increase a seller's confidence in what the property could sell for after the National Association of Estate Agents revealed that estate agents are worried about market conditions.

Secured loans may be the wise option for those wanting to add value to their home and wondering how to pay for such work.