Use the sliders to adjust how much you’d like to borrow and over how many months. Once you have a home improvement plan, you can work out the total cost of the project. Make sure you look at all the costs, and have a back-up plan in case of unexpected expenses or changes.

However, if you have an excellent credit score, you’ll likely qualify for a loan at a better interest rate. Qualifying for this type of loan depends on your personal circumstances, the value of your home, and the equity you hold in the property. Take the following steps to see if you’re eligible for a home improvement loan and whether it’s a suitable option for you. To apply or check your eligibility, simply log into your mobile banking app, go to the ‘Products’ section and select ‘Personal loans’. We could help you find better deals on products such as credit cards, loans and insurance to help save you money.

Our comparison tables include providers we have commercial arrangements with. The number of listings in our tables can vary depending on the terms of those arrangements, as well as other market developments. They are all from lenders regulated by theFinancial Conduct Authority. For more information you can also seehow our website works. This depends on the lender, with some letting you borrow up to £25,000. Use this comparison to find a lender that can offer the amount you need.

Before applying for a home improvement loan, we’d recommend getting quotes for the project in order to get an idea of the loan amount you’ll need. If you go on to apply, you’ll get an instant loan decision online. Just be aware, we will charge up to 58 days’ interest for early settlement.

Because if you can’t, it can cause a lot of problems down the line. Your home may be repossessed if you do not keep up repayments on your mortgage. This works as an effective add-on and extension to your mortgage. However, you will need to pay additional legal, solicitor, valuation and arrangement fees for a mortgage advance.

It can be harder to get a loan with bad credit, and it may be worth trying to improve your score before you apply for a loan. If your loan is secured against your home and you fail to keep up with repayments, the lender may repossess your home and sell it to recoup the debt. We’ll cancel your application if you apply and you’re not a member. It can be used to compare the total cost of your borrowing with other providers. Representative APR is the rate that we give to at least 51% of successful applicants.

Don’t forget to consider recurring costs for your project. Firstly, plan what home improvements need to be done and how long it will take. Get your project plan together, with a start and end date, check contractor availability, hunt around for competitive quotes and take seasonal influences into consideration.

We provide one personal loan which may be used for multiple purposes. This is the length of time over which your loan agreement is in place. Our minimum and maximum terms for certain loan amounts are shown below.