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Home Improvement Loans

Make your home your happy place with a home improvement loan

Representative 6.6% APR

This rate is available on loans between £7,500 and £14,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances, loan amount and term and may differ from the Representative APR.

What is a home improvement loan?

Want to revamp your nest? From odd jobs to grand designs, a home improvement loan could make it happen.

You could borrow up to £50,000 over 1 to 10 years dependent on how much you are borrowing. If approved, your money will wing its way straight to your account. 

Why get a home improvement loan from us?

You could get your money today

Just sign your loan documents before 5.45pm Monday to Friday, excluding bank holidays. (It may take longer if we need more info.) You must apply online and be unconditionally accepted.

It's quick and easy to apply

It takes minutes to apply online. In fact, you could be done in the time it takes to brew a cuppa. We also make it a breeze for you, as we fill out your info where we can.

Borrow up to £50,000 (fixed rate)

Your interest rate is fixed. So, you'll pay the same amount each month (you must pay the full amount, on time, or you may have fees on top). Your last payment may might be higher or lower.

How long could I borrow for?

This is the length of time you can take a loan over, depending on the amount you're borrowing and what it will be used for.

Home Improvement loan calculator

Home improvement loans are available over an extended term, up to 10 years.

How much would you like to borrow?

Representative 6.6%  APR

The Representative APR changes based on the amount you borrow. You can borrow more than £7,500 over a period of up to 8 years. 

Representative 6.6%  APR

The Representative APR changes based on the amount you borrow. 

How long would you like to repay?

60 Months

Representative Example

Borrowing

£10,000

Over

60 Months

Monthly Repayment

£195.24

Total Repayment

£11,714.40

Representative

6.6

% APR
(Annual Percentage Rate)
Interest rate

6.60

% p.a
(Fixed)

The rate you pay depends on your circumstances, loan amount and term and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator.

Get a free personalised quote

Find out if you're likely to be approved for a loan and get your personalised rate at the start of your application. It only takes a few moments and there's no impact on your credit score.

Take a break with a 3-month loan repayment holiday

  • At the start of your application, we'll give you a quote. This might include the option to take a repayment holiday.
  • You could then choose to delay your first payment by three months.
  • You'll need to say if you want to take a repayment holiday before you start your loan.

It's easy to manage your home improvement loan

We make it easy to manage your loan, so you're in control:

Pay us back early
Make an overpayment
Check your credit score via the mobile app
Change your payment date

Can I pay off my loan early?

Let's get ready to apply

Before you apply, we need to check you're happy with a few things.

First, you can apply online if you:

  • Are 18+ and a UK resident with a Royal Bank of Scotland current account (held for 3+ months)
  • Have not been declared bankrupt in the last 6 years
  • Have not applied for a personal loan with us within the last 28 days

Now please read a few other important things:

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application. 

Ready to apply?

Just so you know, you can only apply if you have two loans or less with us right now. (More than two loans? You'll need to pay one off before you apply.)

To speed up your application for a loan, we need to do a few final checks with you. They'll only take a minute.