What is a home improvement loan?

A home improvement loan is typically an unsecured personal loan used to fund renovations, repairs or upgrades to your home. Many UK personal loans can be used for home projects if the lender allows that purpose. Approval, rate and amount remain subject to status.

How do home improvement loans work?

You borrow a fixed amount, usually at a fixed rate, and repay it in monthly instalments over an agreed term. Interest and any fees are built into the repayments. Check the representative example and total repayable before you apply.

How much can I borrow?

Borrowing limits depend on the lender and your circumstances. In this comparison set, published ranges start from around £1,000 and can reach £50,000 or more with some providers. Larger amounts usually require stronger affordability evidence.

What can I use a home improvement loan for?

Common uses include kitchens, bathrooms, windows, roofing, decorating and some energy-efficiency upgrades. Permitted purposes depend on the lender — always check the loan terms before applying.

Can I use a personal loan for home improvements?

Yes. Many home improvement loans are standard [personal loans](/borrow/personal-loans) used for household projects. Compare representative APR, term, fees and total repayable rather than the product label alone.

Home improvement loan vs mortgage — which is different?

A personal or home improvement loan is usually unsecured with a shorter term. Mortgage borrowing (such as a further advance or remortgage) is secured against your home, may support larger amounts and longer terms, and puts the property at risk if repayments are not maintained.

Home improvement loan vs further advance — what is the difference?

A further advance is extra borrowing from your existing mortgage lender, secured on your home. A home improvement loan is usually separate unsecured credit. Compare set-up speed, fees, term, total interest and whether your home would be at risk.

Are home improvement loans secured?

Most consumer home improvement loans shown as personal loans are unsecured. Some larger or homeowner products may be secured. Always check whether the product uses your home as security.

Will my home be at risk?

Your home is generally not used as security for an unsecured personal loan. If you take a secured loan, further advance or remortgage, your property may be repossessed if you do not keep up repayments.

The rate you receive depends on your credit history, income, existing commitments, loan amount and term. The representative APR is an example rate — not a personal quote. See our [APR explanation](/guides/borrowing/personal-loans-explained#understanding-apr).

What is representative APR?

Representative APR is the rate that at least 51% of successful applicants are expected to receive. Your own rate may be higher or lower. Always confirm the offer before applying.

Will checking eligibility affect my credit score?

Where a lender offers a soft eligibility check, it generally will not affect your credit score. A full application usually involves a hard credit search. Several hard searches in a short period may affect your credit profile. See our [credit score](/credit-score) hub.

How long can I borrow for?

Terms commonly range from about 1 to 5 or 7 years, depending on the lender and amount. Longer terms can lower monthly payments but often increase total interest. Compare both.

How quickly can I get the money?

Decision and funding speeds vary. Some lenders advertise same-day decisions or next-working-day funding after approval. Timing depends on verification and is not guaranteed.

Can I repay the loan early?

Many personal loans allow early repayment. Some charge a fee or apply conditions. Check early repayment rules before you apply if you expect to settle early.

Can I get a home improvement loan with bad credit?

Some lenders consider imperfect credit, often at higher rates and lower limits. Acceptance is never guaranteed. Compare [bad credit loans](/borrow/bad-credit-loans) carefully and only borrow what you can afford.

Can I use a loan for an extension?

Some lenders allow extensions and larger structural works within personal loan limits. For very large projects, also compare secured options such as a further advance or remortgage and weigh total cost and property risk.

Can I use a loan for a new kitchen?

Yes — kitchens are a common permitted use for personal and home improvement loans, subject to lender terms. Include fitting, appliances and a contingency in your project budget.

Can I use a loan for energy improvements?

Many lenders allow eligible energy-efficiency work such as insulation or heating upgrades. Confirm permitted uses and whether any separate scheme or grant is available for your project.

Is borrowing for home improvements a good idea?

It can be suitable if the repayments are affordable, the project adds lasting value or comfort, and you have compared total cost against alternatives. It is not suitable if repayments would stretch your budget. This is general information, not personal advice.

Loans

Home Improvement Loans

Compare UK home improvement loans for renovations, extensions, kitchens, bathrooms and other household projects. Check representative APRs, borrowing amounts, terms and eligibility before you apply.

Rates depend on your circumstances and the lender’s assessment. Credit is subject to status. Product data last checked 24 August 2026.

Verified lender data

Rates and terms from official product information

Clear rates & fees

Compare APR, amounts, terms and funding speed

Soft eligibility checks

Where offered, checking eligibility usually does not affect your credit score

Loans

Choose your loan type

All loan types

Personal Loans

Flexible unsecured borrowing for a wide range of needs.

Compare

Secured Loans

Property-backed borrowing for homeowners — understand the risks first.

Compare

Debt Consolidation Loans

Combine multiple debts into one monthly repayment.

Compare

Home Improvement Loans

Fund renovations, extensions and household projects.

Wedding Loans

Spread eligible wedding costs over fixed monthly repayments.

Compare

Bad Credit Loans

Explore lenders that may consider a wider range of credit histories.

Compare

Fund renovations and home projects
Compare APRs, terms and amounts
No-impact eligibility checks where available
Credit subject to status

Your project

How much would you like to borrow?

Enter the amount you need and choose a repayment term to compare matching loans.

Loan availability and rates are subject to eligibility.

Not sure how much you need?

Explore typical costs for kitchens, bathrooms, extensions and renovations.

View project cost guide →

Representative APR

The rate shown is the representative APR where comparable. The actual rate you are offered may be higher or lower depending on your circumstances and the lender.

How APRs work

12 matching loans

We compare participating providers and do not cover the whole market. WiT Money may receive a commission or referral fee from some providers if you proceed through a link. See how we make money

£20,000 over 5 years

Sort byComparison methodology →

first direct

first direct Home Improvement Loan · Unsecured personal loan

first direct current account customers only

Apply now

Eligibility and terms are subject to lender assessment.

5.9%

Representative APR bandRepresentative APR band

£1,000–£50,000

Loan amount

1–8 years

Loan term

Funds available right away if approved

Funding

*5.9% representative APR applies to loans from £10,000–£30,000. Your rate depends on the amount borrowed and your circumstances.

Availability

first direct current account required

Project typesKitchen/bathroomExtension/loftFurniture/decorating

Overpayments allowed
Unsecured loan

Apply now

Eligibility and terms are subject to lender assessment.

M&S Bank

M&S Home Improvement Loan · Unsecured personal loan

Soft eligibility check

No arrangement fee

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

5.9%

Illustrative APRIllustrative APR

£1,000–£30,000

Loan amount

1–7 years

Loan term

3–5 working days

Funding

Project typesKitchen/bathroomExtension/loftFurniture/decorating

Overpayments allowed
Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Nationwide

Nationwide Home Improvement Loan · Unsecured personal loan

Existing customers only

Soft eligibility check

No arrangement fee

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

5.9%

Representative APRRepresentative APR

£1,000–£50,000

Loan amount

1–10 years

Loan term

No arrangement fee

Fees

Availability

Nationwide current account, savings account or mortgage required

Project typesKitchen/bathroomExtension/loftFurniture/decorating

Overpayments allowed
No early repayment fee

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

TSB

TSB Home Improvement Loan · Unsecured personal loan

Soft eligibility check

Major works restricted

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

6.1%

Representative APRRepresentative APR

£1,000–£25,000

Loan amount

1–5 years

Loan term

Same-day possible

Funding

Project restriction

Major renovations/extensions affecting >25% of building surface not eligible

Project typesKitchen/bathroomRepairsFurniture/decorating

Overpayments allowed
Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Santander

Santander Home Improvement Loan · Unsecured personal loan

Soft eligibility check

No arrangement fee

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

6.4%

Representative APRRepresentative APR

£1,000–£25,000

Loan amount

1–5 years

Loan term

Within 3 working days

Funding

Project typesKitchen/bathroomExtension/loftGarden/exterior

Overpayments allowed
Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

HSBC

HSBC Home Improvement Loan · Unsecured personal loan

Soft eligibility check

No arrangement fee

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

6.5%

Representative APRRepresentative APR

£1,000–£30,000

Loan amount

1–8 years

Loan term

Same-day possible

Funding

Project typesKitchen/bathroomRepairsExtension/loft

Overpayments allowed
Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Halifax

Halifax Home Improvement Loan · Unsecured personal loan

Soft eligibility check

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

7.4%

Representative APRRepresentative APR

Up to £35,000 / £50,000

Loan amount

1–7 years

Loan term

Same-day possible

Funding

Borrowing limits

Non-customers up to £35,000; current-account holders up to £50,000

Project typesKitchen/bathroomExtension/loftEnergy efficiency

Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Lloyds

Lloyds Home Improvement Loan · Unsecured personal loan

Existing customers only

Soft eligibility check

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

7.4%

Representative APRRepresentative APR

£1,000–£50,000

Loan amount

1–7 years

Loan term

Same-day possible

Funding

Availability

Yes for online route – Lloyds/Halifax/Bank of Scotland current account held at least 1 month

Project typesKitchen/bathroomRepairsExtension/loft

Overpayments allowed
Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Tesco Bank

Tesco Bank Home Improvement Loan · Unsecured personal loan

Clubcard rate available

Soft eligibility check

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

6.4%

Clubcard rateClubcard rate

£3,000–£35,000

Loan amount

1–10 years

Loan term

Within 1 working day

Funding

Clubcard rate

Lower Clubcard rate applies only with a qualifying Clubcard

Project typesKitchen/bathroomExtension/loftFurniture/decorating

Overpayments allowed
Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

The AA / NatWest Boxed

AA Home Improvement Loan · Unsecured personal loan

AA member rate available

Soft eligibility check

No arrangement fee

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

6.4%

Representative exampleRepresentative example

£1,000–£35,000

Loan amount

1–8 years

Loan term

Same-day possible

Funding

Member rate

AA member rate requires qualifying AA breakdown or insurance

Project typesKitchen/bathroomRepairsExtension/loft

Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

NatWest

NatWest Home Improvement Loan · Unsecured personal loan

Soft eligibility check

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

6.9%

Representative APRRepresentative APR

£1,000–£50,000

Loan amount

1–10 years

Loan term

Same-day possible

Funding

Project typesKitchen/bathroomRepairsExtension/loft

Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Zopa

Zopa Home Improvement Loan · Unsecured personal loan

Soft eligibility check

No arrangement fee

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

22.9%

Personalised ratePersonalised rate

£1,000–£50,000

Loan amount

1–7 years

Loan term

No arrangement fee

Fees

Overpayments allowed
Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Borrowing for a larger project?

Consider the total amount repayable, not just the monthly payment. A longer repayment term can reduce monthly payments but may increase the total interest you pay.

Product information

Last checked: 24 August 2026

Source: Official lender product information.

Representative APRs and product details are taken from verified lender disclosures and may change. Your rate and loan amount depend on your circumstances. Credit subject to status. Always confirm current terms on the provider’s website before applying.

Sort order is factual (comparable APR, amount, term or funding speed) — not affiliate commission. Comparison methodology →

Project cost

How much might your home improvement project cost?

Use illustrative project costs to estimate how much you may need to borrow after savings. This is not a quote. These categories are educational — they do not filter loan eligibility.

Kitchens

Bathrooms

Extensions

Renovations

Energy improvements

Other common projects

Project costSavings contribution

Illustrative result

Amount to borrow

£8,000

Project cost: £10,000
Savings: £2,000

Project costs vary significantly by property, location and specification. This calculator is illustrative only.

Illustrative example only

Estimate your monthly repayments

The rate you receive may differ from the representative APR shown. Use this calculator for illustration before comparing live offers.

Your details

Loan amount

Interest rate

Enter the annual interest rate charged on the loan. APR may be higher because it can include fees and other borrowing costs.

Term (years)

Monthly overpayment

Optional extra amount paid towards the loan each month.

Estimated monthly repayment

£306.49

Scheduled repayment before optional overpayments

Total interest

£1,033.64

Total repayable

£11,033.64

Original term

3 years

Actual payoff time

3 years

Estimated payoff

September 2029

Estimate from today

This calculator provides illustrative repayment estimates only. It does not assess eligibility or guarantee the rate, APR or terms a lender will offer. Unless entered above, lender fees and other borrowing costs are not included.

Compare different scenarios

Illustrative scenarios only. Actual lender rates and terms may differ.

Rate scenarios

Current rate
6.50%
£306.49/month
Interest £1,033.64
+1%
7.50%
£311.06/month
Interest £1,198.24
+2%
8.50%
£315.68/month
Interest £1,364.31

How your loan balance changes

Loan repayment schedule

Period	Opening	Payment	Interest	Principal	Overpayment	Closing
M1	£10,000.00	£306.49	£54.17	£252.32	£0.00	£9,747.68
M2	£9,747.68	£306.49	£52.80	£253.69	£0.00	£9,493.99
M3	£9,493.99	£306.49	£51.43	£255.06	£0.00	£9,238.92
M4	£9,238.92	£306.49	£50.04	£256.45	£0.00	£8,982.48
M5	£8,982.48	£306.49	£48.66	£257.83	£0.00	£8,724.64
M6	£8,724.64	£306.49	£47.26	£259.23	£0.00	£8,465.41
M7	£8,465.41	£306.49	£45.85	£260.64	£0.00	£8,204.77
M8	£8,204.77	£306.49	£44.44	£262.05	£0.00	£7,942.73
M9	£7,942.73	£306.49	£43.02	£263.47	£0.00	£7,679.26
M10	£7,679.26	£306.49	£41.60	£264.89	£0.00	£7,414.37
M11	£7,414.37	£306.49	£40.16	£266.33	£0.00	£7,148.04
M12	£7,148.04	£306.49	£38.72	£267.77	£0.00	£6,880.27
M13	£6,880.27	£306.49	£37.27	£269.22	£0.00	£6,611.04
M14	£6,611.04	£306.49	£35.81	£270.68	£0.00	£6,340.36
M15	£6,340.36	£306.49	£34.34	£272.15	£0.00	£6,068.22
M16	£6,068.22	£306.49	£32.87	£273.62	£0.00	£5,794.60
M17	£5,794.60	£306.49	£31.39	£275.10	£0.00	£5,519.49
M18	£5,519.49	£306.49	£29.90	£276.59	£0.00	£5,242.90
M19	£5,242.90	£306.49	£28.40	£278.09	£0.00	£4,964.81
M20	£4,964.81	£306.49	£26.89	£279.60	£0.00	£4,685.21
M21	£4,685.21	£306.49	£25.38	£281.11	£0.00	£4,404.10
M22	£4,404.10	£306.49	£23.86	£282.63	£0.00	£4,121.47
M23	£4,121.47	£306.49	£22.32	£284.17	£0.00	£3,837.30
M24	£3,837.30	£306.49	£20.79	£285.70	£0.00	£3,551.60
M25	£3,551.60	£306.49	£19.24	£287.25	£0.00	£3,264.34
M26	£3,264.34	£306.49	£17.68	£288.81	£0.00	£2,975.54
M27	£2,975.54	£306.49	£16.12	£290.37	£0.00	£2,685.16
M28	£2,685.16	£306.49	£14.54	£291.95	£0.00	£2,393.22
M29	£2,393.22	£306.49	£12.96	£293.53	£0.00	£2,099.69
M30	£2,099.69	£306.49	£11.37	£295.12	£0.00	£1,804.57
M31	£1,804.57	£306.49	£9.77	£296.72	£0.00	£1,507.86
M32	£1,507.86	£306.49	£8.17	£298.32	£0.00	£1,209.54
M33	£1,209.54	£306.49	£6.55	£299.94	£0.00	£909.60
M34	£909.60	£306.49	£4.93	£301.56	£0.00	£608.04
M35	£608.04	£306.49	£3.29	£303.20	£0.00	£304.84
M36	£304.84	£306.49	£1.65	£304.84	£0.00	£0.00

Saved results

Save a calculation to compare scenarios later on this device.

How the loan calculator works

Each repayment includes interest charged on the outstanding balance and a portion that reduces the principal.
Early payments usually contain a higher proportion of interest.
As the balance falls, less interest is charged on each remaining period.
Overpayments reduce principal faster, which can cut interest and shorten the term.

Interest rate

The rate used to calculate the interest charged on the outstanding loan balance.

APR

APR is designed to help compare borrowing costs and may include certain fees as well as interest. A loan with the same interest rate can have a higher APR if additional compulsory fees apply. Read the APR guide for how representative APR is advertised in the UK.

This calculation is an illustration only and is not a loan offer, credit decision or assessment of eligibility. Actual lender rates, APRs, fees and repayments may differ.

Ready to compare loans?

Use your estimate as a starting point, then browse live loan comparisons — or read about property-secured options first.

Compare personal loans Secured loans explained

Common projects

What can a home improvement loan be used for?

Permitted uses depend on the lender. Always check the loan terms before applying.

Kitchen renovation

New kitchen units, appliances and installation.

Bathroom

Bathroom replacement, plumbing and fittings.

Extension

Additional living space or structural improvements.

Windows & doors

Replacement glazing and doors.

Roofing

Roof repairs or replacement.

Energy improvements

Insulation, heating upgrades or eligible efficiency projects.

Decorating

Flooring, painting and interior improvements.

Landscaping

Garden and outdoor improvements where permitted.

Borrowing limits

How much can you borrow for home improvements?

The amount available depends on income, affordability, credit history, existing commitments and the lender. Examples below are illustrative, not lender guarantees.

Small project

£1,000–£5,000

Examples: Decorating, flooring, smaller repairs

Medium project

£5,000–£20,000

Examples: Kitchen, bathroom, windows

Larger project

£20,000+

Examples: Major renovation or extension

Your APR

What affects the interest rate you receive?

Representative APR is not a guaranteed personal rate.

Credit history

Past borrowing and repayment behaviour.

Income

Your income and financial stability.

Existing debt

Current borrowing and monthly commitments.

Loan amount

Rates often vary by borrowing band.

Loan term

Longer or shorter terms may have different pricing.

Affordability

Lenders assess whether repayments are sustainable.

Choosing how to borrow

Home improvement loan or secured borrowing?

For larger projects, compare total borrowing cost rather than monthly repayments alone. Neither option is universally better.

Personal / home improvement loan

Usually unsecured
Fixed monthly repayments
Often quicker to arrange
Typically suited to smaller/mid-size projects
Rate based heavily on borrower circumstances
Your home is generally not used as security

Secured loan / further advance

Borrowing secured against property
May support larger borrowing
Often longer terms
May reduce monthly payments but increase total interest
Property is at risk if repayments are not maintained

Home improvement loan vs mortgage borrowing

Compare typical features before choosing how to fund a larger project.

Feature	Personal loan	Further advance	Remortgage
Typical borrowing size	Smaller to mid-size	Often larger	Can be larger / whole mortgage
Security	Usually unsecured	Secured on home	Secured on home
Set-up speed	Often quicker	Lender process	Usually longer
Fees	May include arrangement fee	May include product fees	Often higher set-up costs
Term	Typically shorter	Often longer	Often longest
Interest rate	Personal circumstances	Mortgage-linked	Mortgage market rates
Total interest	May be higher monthly, shorter term	Can be lower monthly over longer term	Depends on new mortgage deal
Property at risk	Generally no (if unsecured)	Yes	Yes
Flexibility	Separate from mortgage	Linked to existing lender	Replaces whole mortgage deal

Compare mortgages if secured borrowing may suit a larger project.

Eligibility

Will applying for a home improvement loan affect your credit score?

Soft eligibility check

Where offered, this normally does not affect your credit score.

Full application

A lender will usually carry out a hard credit search when you formally apply.

Multiple applications

Several hard searches in a short period may affect your credit profile.

Check your credit score

Who might use a home improvement loan?

Educational guidance only — not personalised financial advice.

May be suitable for

Kitchen or bathroom renovation
Replacement windows or doors
Decorating and flooring
Moderate refurbishment
Borrowers who prefer fixed repayments
Projects where unsecured borrowing is appropriate

May be less suitable for

Very large structural projects
Borrowers needing very long repayment periods
Anyone struggling with existing repayments
Projects where secured borrowing may materially reduce total cost
Borrowers unable to comfortably afford the monthly payment

Checklist

Before applying for a home improvement loan

Estimate the total project cost
Include a contingency for unexpected costs
Decide how much savings you will contribute
Compare representative APRs
Check the total repayable
Compare loan terms
Check early repayment rules
Use soft eligibility checks first where available
Avoid borrowing more than the project requires
Make sure repayments remain affordable
Verify the final lender terms before applying

FAQs

About home improvement loans

Quick answers before you compare or apply.

Our methodology

How we compare home improvement loans

Commercial relationships do not determine factual product information.

Representative APR
Borrowing range
Loan term
Eligibility tools
Decision / funding speed
Arrangement fees
Early repayment terms
Credit-profile eligibility
Lender information
Source freshness

Full detail: Comparison Methodology →

Customer reviews

Genuine Trustpilot or review-platform ratings are not currently attached to this comparison set. We do not invent star ratings.

Why trust WiT Money?

Our comparison content is researched by WiT Money and designed to help UK consumers compare borrowing options clearly.

Last updated

Editorial review: 24 August 2026

Product data last checked: 24 August 2026

Rates checked regularly against lender information
Information sourced from lender websites
Reviewed by our editorial team
Commercial relationships do not determine factual product information

Sources and product information

Loan rates, terms and eligibility are checked against lender product pages and our verified Home Improvement Loans workbook. Products and rates can change, so always confirm the final terms with the lender before applying. Data last checked: 24 August 2026.

Reviewed by Teresa Mary, Chief Finance Editor.

Spotted an error? contact@witfinancegroup.com

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Continue with a related page

Links are chosen from this category’s registry — not a generic keyword dump.

Loans

Home Improvement Loans

Compare UK home improvement loans for renovations, extensions, kitchens, bathrooms and other household projects. Check representative APRs, borrowing amounts, terms and eligibility before you apply.

Rates depend on your circumstances and the lender’s assessment. Credit is subject to status. Product data last checked 24 August 2026.

Verified lender data

Rates and terms from official product information

Clear rates & fees

Compare APR, amounts, terms and funding speed

Soft eligibility checks

Where offered, checking eligibility usually does not affect your credit score

Loans

Choose your loan type

All loan types

Personal Loans

Flexible unsecured borrowing for a wide range of needs.

Compare

Secured Loans

Property-backed borrowing for homeowners — understand the risks first.

Compare

Debt Consolidation Loans

Combine multiple debts into one monthly repayment.

Compare

Home Improvement Loans

Fund renovations, extensions and household projects.

Wedding Loans

Spread eligible wedding costs over fixed monthly repayments.

Compare

Bad Credit Loans

Explore lenders that may consider a wider range of credit histories.

Compare

Fund renovations and home projects
Compare APRs, terms and amounts
No-impact eligibility checks where available
Credit subject to status

Your project

How much would you like to borrow?

Enter the amount you need and choose a repayment term to compare matching loans.

Loan availability and rates are subject to eligibility.

Not sure how much you need?

Explore typical costs for kitchens, bathrooms, extensions and renovations.

View project cost guide →

Representative APR

The rate shown is the representative APR where comparable. The actual rate you are offered may be higher or lower depending on your circumstances and the lender.

How APRs work

12 matching loans

We compare participating providers and do not cover the whole market. WiT Money may receive a commission or referral fee from some providers if you proceed through a link. See how we make money

£20,000 over 5 years

Sort byComparison methodology →

first direct

first direct Home Improvement Loan · Unsecured personal loan

first direct current account customers only

Apply now

Eligibility and terms are subject to lender assessment.

5.9%

Representative APR bandRepresentative APR band

£1,000–£50,000

Loan amount

1–8 years

Loan term

Funds available right away if approved

Funding

*5.9% representative APR applies to loans from £10,000–£30,000. Your rate depends on the amount borrowed and your circumstances.

Availability

first direct current account required

Project typesKitchen/bathroomExtension/loftFurniture/decorating

Overpayments allowed
Unsecured loan

Apply now

Eligibility and terms are subject to lender assessment.

M&S Bank

M&S Home Improvement Loan · Unsecured personal loan

Soft eligibility check

No arrangement fee

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

5.9%

Illustrative APRIllustrative APR

£1,000–£30,000

Loan amount

1–7 years

Loan term

3–5 working days

Funding

Project typesKitchen/bathroomExtension/loftFurniture/decorating

Overpayments allowed
Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Nationwide

Nationwide Home Improvement Loan · Unsecured personal loan

Existing customers only

Soft eligibility check

No arrangement fee

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

5.9%

Representative APRRepresentative APR

£1,000–£50,000

Loan amount

1–10 years

Loan term

No arrangement fee

Fees

Availability

Nationwide current account, savings account or mortgage required

Project typesKitchen/bathroomExtension/loftFurniture/decorating

Overpayments allowed
No early repayment fee

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

TSB

TSB Home Improvement Loan · Unsecured personal loan

Soft eligibility check

Major works restricted

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

6.1%

Representative APRRepresentative APR

£1,000–£25,000

Loan amount

1–5 years

Loan term

Same-day possible

Funding

Project restriction

Major renovations/extensions affecting >25% of building surface not eligible

Project typesKitchen/bathroomRepairsFurniture/decorating

Overpayments allowed
Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Santander

Santander Home Improvement Loan · Unsecured personal loan

Soft eligibility check

No arrangement fee

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

6.4%

Representative APRRepresentative APR

£1,000–£25,000

Loan amount

1–5 years

Loan term

Within 3 working days

Funding

Project typesKitchen/bathroomExtension/loftGarden/exterior

Overpayments allowed
Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

HSBC

HSBC Home Improvement Loan · Unsecured personal loan

Soft eligibility check

No arrangement fee

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

6.5%

Representative APRRepresentative APR

£1,000–£30,000

Loan amount

1–8 years

Loan term

Same-day possible

Funding

Project typesKitchen/bathroomRepairsExtension/loft

Overpayments allowed
Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Halifax

Halifax Home Improvement Loan · Unsecured personal loan

Soft eligibility check

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

7.4%

Representative APRRepresentative APR

Up to £35,000 / £50,000

Loan amount

1–7 years

Loan term

Same-day possible

Funding

Borrowing limits

Non-customers up to £35,000; current-account holders up to £50,000

Project typesKitchen/bathroomExtension/loftEnergy efficiency

Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Lloyds

Lloyds Home Improvement Loan · Unsecured personal loan

Existing customers only

Soft eligibility check

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

7.4%

Representative APRRepresentative APR

£1,000–£50,000

Loan amount

1–7 years

Loan term

Same-day possible

Funding

Availability

Yes for online route – Lloyds/Halifax/Bank of Scotland current account held at least 1 month

Project typesKitchen/bathroomRepairsExtension/loft

Overpayments allowed
Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Tesco Bank

Tesco Bank Home Improvement Loan · Unsecured personal loan

Clubcard rate available

Soft eligibility check

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

6.4%

Clubcard rateClubcard rate

£3,000–£35,000

Loan amount

1–10 years

Loan term

Within 1 working day

Funding

Clubcard rate

Lower Clubcard rate applies only with a qualifying Clubcard

Project typesKitchen/bathroomExtension/loftFurniture/decorating

Overpayments allowed
Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

The AA / NatWest Boxed

AA Home Improvement Loan · Unsecured personal loan

AA member rate available

Soft eligibility check

No arrangement fee

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

6.4%

Representative exampleRepresentative example

£1,000–£35,000

Loan amount

1–8 years

Loan term

Same-day possible

Funding

Member rate

AA member rate requires qualifying AA breakdown or insurance

Project typesKitchen/bathroomRepairsExtension/loft

Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

NatWest

NatWest Home Improvement Loan · Unsecured personal loan

Soft eligibility check

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

6.9%

Representative APRRepresentative APR

£1,000–£50,000

Loan amount

1–10 years

Loan term

Same-day possible

Funding

Project typesKitchen/bathroomRepairsExtension/loft

Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Zopa

Zopa Home Improvement Loan · Unsecured personal loan

Soft eligibility check

No arrangement fee

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

22.9%

Personalised ratePersonalised rate

£1,000–£50,000

Loan amount

1–7 years

Loan term

No arrangement fee

Fees

Overpayments allowed
Unsecured loan

Check eligibility →

Soft eligibility check available. A full application may involve a hard search.

Borrowing for a larger project?

Consider the total amount repayable, not just the monthly payment. A longer repayment term can reduce monthly payments but may increase the total interest you pay.

Product information

Last checked: 24 August 2026

Source: Official lender product information.

Sort order is factual (comparable APR, amount, term or funding speed) — not affiliate commission. Comparison methodology →

Project cost

How much might your home improvement project cost?

Use illustrative project costs to estimate how much you may need to borrow after savings. This is not a quote. These categories are educational — they do not filter loan eligibility.

Kitchens

Bathrooms

Extensions

Renovations

Energy improvements

Other common projects

Project costSavings contribution

Illustrative result

Amount to borrow

£8,000

Project cost: £10,000
Savings: £2,000

Project costs vary significantly by property, location and specification. This calculator is illustrative only.

Illustrative example only

Estimate your monthly repayments

The rate you receive may differ from the representative APR shown. Use this calculator for illustration before comparing live offers.

Your details

Loan amount

Interest rate

Enter the annual interest rate charged on the loan. APR may be higher because it can include fees and other borrowing costs.

Term (years)

Monthly overpayment

Optional extra amount paid towards the loan each month.

Estimated monthly repayment

£306.49

Scheduled repayment before optional overpayments

Total interest

£1,033.64

Total repayable

£11,033.64

Original term

3 years

Actual payoff time

3 years

Estimated payoff

September 2029

Estimate from today

Compare different scenarios

Illustrative scenarios only. Actual lender rates and terms may differ.

Rate scenarios

Current rate
6.50%
£306.49/month
Interest £1,033.64
+1%
7.50%
£311.06/month
Interest £1,198.24
+2%
8.50%
£315.68/month
Interest £1,364.31

How your loan balance changes

Loan repayment schedule

Period	Opening	Payment	Interest	Principal	Overpayment	Closing
M1	£10,000.00	£306.49	£54.17	£252.32	£0.00	£9,747.68
M2	£9,747.68	£306.49	£52.80	£253.69	£0.00	£9,493.99
M3	£9,493.99	£306.49	£51.43	£255.06	£0.00	£9,238.92
M4	£9,238.92	£306.49	£50.04	£256.45	£0.00	£8,982.48
M5	£8,982.48	£306.49	£48.66	£257.83	£0.00	£8,724.64
M6	£8,724.64	£306.49	£47.26	£259.23	£0.00	£8,465.41
M7	£8,465.41	£306.49	£45.85	£260.64	£0.00	£8,204.77
M8	£8,204.77	£306.49	£44.44	£262.05	£0.00	£7,942.73
M9	£7,942.73	£306.49	£43.02	£263.47	£0.00	£7,679.26
M10	£7,679.26	£306.49	£41.60	£264.89	£0.00	£7,414.37
M11	£7,414.37	£306.49	£40.16	£266.33	£0.00	£7,148.04
M12	£7,148.04	£306.49	£38.72	£267.77	£0.00	£6,880.27
M13	£6,880.27	£306.49	£37.27	£269.22	£0.00	£6,611.04
M14	£6,611.04	£306.49	£35.81	£270.68	£0.00	£6,340.36
M15	£6,340.36	£306.49	£34.34	£272.15	£0.00	£6,068.22
M16	£6,068.22	£306.49	£32.87	£273.62	£0.00	£5,794.60
M17	£5,794.60	£306.49	£31.39	£275.10	£0.00	£5,519.49
M18	£5,519.49	£306.49	£29.90	£276.59	£0.00	£5,242.90
M19	£5,242.90	£306.49	£28.40	£278.09	£0.00	£4,964.81
M20	£4,964.81	£306.49	£26.89	£279.60	£0.00	£4,685.21
M21	£4,685.21	£306.49	£25.38	£281.11	£0.00	£4,404.10
M22	£4,404.10	£306.49	£23.86	£282.63	£0.00	£4,121.47
M23	£4,121.47	£306.49	£22.32	£284.17	£0.00	£3,837.30
M24	£3,837.30	£306.49	£20.79	£285.70	£0.00	£3,551.60
M25	£3,551.60	£306.49	£19.24	£287.25	£0.00	£3,264.34
M26	£3,264.34	£306.49	£17.68	£288.81	£0.00	£2,975.54
M27	£2,975.54	£306.49	£16.12	£290.37	£0.00	£2,685.16
M28	£2,685.16	£306.49	£14.54	£291.95	£0.00	£2,393.22
M29	£2,393.22	£306.49	£12.96	£293.53	£0.00	£2,099.69
M30	£2,099.69	£306.49	£11.37	£295.12	£0.00	£1,804.57
M31	£1,804.57	£306.49	£9.77	£296.72	£0.00	£1,507.86
M32	£1,507.86	£306.49	£8.17	£298.32	£0.00	£1,209.54
M33	£1,209.54	£306.49	£6.55	£299.94	£0.00	£909.60
M34	£909.60	£306.49	£4.93	£301.56	£0.00	£608.04
M35	£608.04	£306.49	£3.29	£303.20	£0.00	£304.84
M36	£304.84	£306.49	£1.65	£304.84	£0.00	£0.00

Saved results

Save a calculation to compare scenarios later on this device.

How the loan calculator works

Each repayment includes interest charged on the outstanding balance and a portion that reduces the principal.
Early payments usually contain a higher proportion of interest.
As the balance falls, less interest is charged on each remaining period.
Overpayments reduce principal faster, which can cut interest and shorten the term.

Interest rate

The rate used to calculate the interest charged on the outstanding loan balance.

APR

This calculation is an illustration only and is not a loan offer, credit decision or assessment of eligibility. Actual lender rates, APRs, fees and repayments may differ.

Ready to compare loans?

Use your estimate as a starting point, then browse live loan comparisons — or read about property-secured options first.

Compare personal loans Secured loans explained

Common projects

What can a home improvement loan be used for?

Permitted uses depend on the lender. Always check the loan terms before applying.

Kitchen renovation

New kitchen units, appliances and installation.

Bathroom

Bathroom replacement, plumbing and fittings.

Extension

Additional living space or structural improvements.

Windows & doors

Replacement glazing and doors.

Roofing

Roof repairs or replacement.

Energy improvements

Insulation, heating upgrades or eligible efficiency projects.

Decorating

Flooring, painting and interior improvements.

Landscaping

Garden and outdoor improvements where permitted.

Borrowing limits

How much can you borrow for home improvements?

The amount available depends on income, affordability, credit history, existing commitments and the lender. Examples below are illustrative, not lender guarantees.

Small project

£1,000–£5,000

Examples: Decorating, flooring, smaller repairs

Medium project

£5,000–£20,000

Examples: Kitchen, bathroom, windows

Larger project

£20,000+

Examples: Major renovation or extension

Your APR

What affects the interest rate you receive?

Representative APR is not a guaranteed personal rate.

Credit history

Past borrowing and repayment behaviour.

Income

Your income and financial stability.

Existing debt

Current borrowing and monthly commitments.

Loan amount

Rates often vary by borrowing band.

Loan term

Longer or shorter terms may have different pricing.

Affordability

Lenders assess whether repayments are sustainable.

Choosing how to borrow

Home improvement loan or secured borrowing?

For larger projects, compare total borrowing cost rather than monthly repayments alone. Neither option is universally better.

Personal / home improvement loan

Usually unsecured
Fixed monthly repayments
Often quicker to arrange
Typically suited to smaller/mid-size projects
Rate based heavily on borrower circumstances
Your home is generally not used as security

Secured loan / further advance

Borrowing secured against property
May support larger borrowing
Often longer terms
May reduce monthly payments but increase total interest
Property is at risk if repayments are not maintained

Home improvement loan vs mortgage borrowing

Compare typical features before choosing how to fund a larger project.

Feature	Personal loan	Further advance	Remortgage
Typical borrowing size	Smaller to mid-size	Often larger	Can be larger / whole mortgage
Security	Usually unsecured	Secured on home	Secured on home
Set-up speed	Often quicker	Lender process	Usually longer
Fees	May include arrangement fee	May include product fees	Often higher set-up costs
Term	Typically shorter	Often longer	Often longest
Interest rate	Personal circumstances	Mortgage-linked	Mortgage market rates
Total interest	May be higher monthly, shorter term	Can be lower monthly over longer term	Depends on new mortgage deal
Property at risk	Generally no (if unsecured)	Yes	Yes
Flexibility	Separate from mortgage	Linked to existing lender	Replaces whole mortgage deal

Compare mortgages if secured borrowing may suit a larger project.

Eligibility

Will applying for a home improvement loan affect your credit score?

Soft eligibility check

Where offered, this normally does not affect your credit score.

Full application

A lender will usually carry out a hard credit search when you formally apply.

Multiple applications

Several hard searches in a short period may affect your credit profile.

Check your credit score

Who might use a home improvement loan?

Educational guidance only — not personalised financial advice.

May be suitable for

Kitchen or bathroom renovation
Replacement windows or doors
Decorating and flooring
Moderate refurbishment
Borrowers who prefer fixed repayments
Projects where unsecured borrowing is appropriate

May be less suitable for

Very large structural projects
Borrowers needing very long repayment periods
Anyone struggling with existing repayments
Projects where secured borrowing may materially reduce total cost
Borrowers unable to comfortably afford the monthly payment

Checklist

Before applying for a home improvement loan

Estimate the total project cost
Include a contingency for unexpected costs
Decide how much savings you will contribute
Compare representative APRs
Check the total repayable
Compare loan terms
Check early repayment rules
Use soft eligibility checks first where available
Avoid borrowing more than the project requires
Make sure repayments remain affordable
Verify the final lender terms before applying

FAQs

About home improvement loans

Quick answers before you compare or apply.

Our methodology

How we compare home improvement loans

Commercial relationships do not determine factual product information.

Representative APR
Borrowing range
Loan term
Eligibility tools
Decision / funding speed
Arrangement fees
Early repayment terms
Credit-profile eligibility
Lender information
Source freshness

Full detail: Comparison Methodology →

Customer reviews

Genuine Trustpilot or review-platform ratings are not currently attached to this comparison set. We do not invent star ratings.

Why trust WiT Money?

Our comparison content is researched by WiT Money and designed to help UK consumers compare borrowing options clearly.

Last updated

Editorial review: 24 August 2026

Product data last checked: 24 August 2026

Rates checked regularly against lender information
Information sourced from lender websites
Reviewed by our editorial team
Commercial relationships do not determine factual product information

Sources and product information

Reviewed by Teresa Mary, Chief Finance Editor.

Spotted an error? contact@witfinancegroup.com

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How much would you like to borrow?

12 matching loans

How much might your home improvement project cost?

Estimate your monthly repayments

Your details

Compare different scenarios

How your loan balance changes

Loan repayment schedule

Saved results

How the loan calculator works

Interest rate

APR

Ready to compare loans?

What can a home improvement loan be used for?

Kitchen renovation

Bathroom

Extension

Windows & doors

Roofing

Energy improvements

Decorating

Landscaping

How much can you borrow for home improvements?

Small project

Medium project

Larger project

What affects the interest rate you receive?

Credit history

Income

Existing debt

Loan amount

Loan term

Affordability

Home improvement loan or secured borrowing?

Personal / home improvement loan

Secured loan / further advance

Home improvement loan vs mortgage borrowing

Will applying for a home improvement loan affect your credit score?

Soft eligibility check

Full application

Multiple applications

Who might use a home improvement loan?

May be suitable for

May be less suitable for

Before applying for a home improvement loan

About home improvement loans

What is a home improvement loan?

How do home improvement loans work?

How much can I borrow?

What can I use a home improvement loan for?

Can I use a personal loan for home improvements?

Home improvement loan vs mortgage — which is different?

Home improvement loan vs further advance — what is the difference?

Are home improvement loans secured?

Will my home be at risk?

What APR can I get?

What is representative APR?

Will checking eligibility affect my credit score?

How long can I borrow for?

How quickly can I get the money?

Can I repay the loan early?

Can I get a home improvement loan with bad credit?

Can I use a loan for an extension?

Can I use a loan for a new kitchen?

Can I use a loan for energy improvements?

Is borrowing for home improvements a good idea?

How we compare home improvement loans

Customer reviews

Why trust WiT Money?

Last updated

Sources and product information

Related borrowing guides