Coronavirus and your Barclayloan
If you’re worried about making your loan repayments during the coronavirus situation, read our FAQs to see how we can help.
Home improvement loan
Spruce up your property
Whether you’d like a new kitchen or want to give your lounge a new lease of life, you could get more from your home.
Subject to application, financial circumstances and borrowing history.
0
APR Representative
on loans of
0
over 2–5 years. (Your rate may differ1)
What is a home improvement loan?
A home improvement loan could help you make improvements to your home, so you could increase the value of your property.
How do home improvement loans work?
- Apply online or in the app
- We’ll let you know if we can lend you the money
- If we can, we’ll pay the money into your account straight away2
You can see what your rough monthly repayments could be using our calculator
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To apply online, you'll need to
Have a Barclays current account or Barclaycard account
Be a UK resident
Be aged 18 or above
You can use your loan for almost anything, apart from
- Business reasons
- Investments, including buying stocks and shares
- Timeshares
- Purchasing property (home improvements are fine)
- Gambling-related expenses
- Repaying CCJs (county court judgments)
- A purchase made by combining this loan with any others
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If you’ve started an application already, it’s easy to pick up where you left off.
Log in to Online Banking or the Barclays app and we’ll take you to your saved application.
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As a lender, we have a responsibility to act fairly and as part of this we have committed to follow the Standards of Lending Practice. This note sets out some of our key responsibilities and what we ask of you, to ensure that the relationship works well for both of us.
- We will lend responsibly and aim to provide a product that is affordable for you.
- We will provide you with information about our products and services and how they work, in a clear and understandable way, so that you can decide what’s best for you and your needs.
- We will endeavour to make sure our products and services offer, wherever possible, the flexibility to meet your needs.
- We will treat you fairly and reasonably at all times and make sure that you are provided with a high level of service.
- If you tell us about any inaccuracies, for example around the personal information we hold about you, we will act quickly to put it right.
- We will always aim to help you if we see, or you tell us, that you are having trouble financially. We will seek to understand your overall circumstances, try and identify options that you can afford and where appropriate, provide a reference to free debt advice.
What we ask of you
- We ask you to think carefully about whether you can afford to repay the money you want to borrow and to be open in your dealings with us.
- Take care of any cards, PINs, online log-in details and other security information to help prevent fraud and help us to protect your accounts.
- Tell us as soon as possible if your card has been lost or stolen, or if you know or suspect someone is misusing your confidential information e.g. your PIN or online log-in details.
- Carefully check your account statements to make sure they are accurate. If anything isn’t right, please get in touch with us.
Please let us know if
- Your contact details change, so we can keep our records up to date.
- Your circumstances change, particularly if what’s happened is likely to cause you difficulties in managing your account or financial problems.
- You think that you won’t be able to keep up with your repayments. The sooner you do this, the more likely it is we’ll be able to find a way to help you.
We would also encourage you to refer to the terms and conditions associated with your current account, credit card or personal loan.
Try our home improvement loan calculator
Work out how much you'd like to borrow with our home improvement loan calculator. The results we display are based on the representative APR for the amount you enter. Your actual rates and repayments might differ and will be based on your personal circumstances, the loan amount and term.
Amount
Term in Months
The same every month
Loan required
Based on the details you entered
Representative example
APR Representative
based on a loan of
repayable over
months
at an interest rate of
per annum (fixed)
.
Monthly repayment of
.
Total amount payable
.
Representative APR applies to loans of
How to apply
If you have a current account with us or a Barclaycard, we could tell you your personal loan rate upfront – without affecting your credit score.
You may be eligible
You can see if you’ve been pre-selected to apply for a loan – this means you can see how much you may be able to borrow, and your personal rate, in a few minutes*. All you need is
A current account or Barclaycard account with us
Online Banking or the Barclays app
* You need to be registered for Online Banking or the Barclays app. Not everyone is pre-selected – if you aren’t, you won’t be able to apply online or in the app. Please get in touch to discuss your options.
Making your house a home
If you’ve just purchased your first property, or simply want to make the most of the space you have, here are some tips for you.
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Add insulation
Most of us know that insulating our loft can help to keep our energy costs down – as this is where most of household heat is lost. But it doesn’t stop there – insulating your pipes, tanks and floor could help you cut your bills even further.
Upgrade your boiler
An efficient boiler can make a big difference to the amount you spend on heating and hot water – according to Energy Saving Trust3, it could be hundreds.
Buy double glazing
From reducing noise pollution to retaining heat, adding energy-efficient double glazing windows is a great way to save energy (and money on your bills).
Use technology
You can reduce your carbon footprint whilst lowering your utility bills with various tips from experts like EcoVision Energy3.
There’s more for you to explore
Whether you’re looking for home improvement tips or other loan options, take a look at what we have on offer.
All loans are subject to application, financial circumstances and borrowing history.
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Other borrowing options
Barclaycard
Choose from our range of credit cards, which include cards for everyday purchases and balance transfers.
Overdrafts
An overdraft may help you manage your money – and we make it easy for you to work out how much it could cost.
Premier Barclayloan
Exclusively available to Premier customers. See what your loan could look like with a personalised quote.
Additional borrowing
You might be able to borrow more on your current mortgage with us while keeping your existing balance on your current rate and term.
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Improve your home
Improving your home
Transform it into a special place
Whether it’s building a kitchen extension or just painting walls, a refresh could add value to your home and turn it into a place you won’t want to leave.
Valuing your property
How much is a house really worth?
Putting your house on the market? Here’s how to make sure you’re getting the right price for your current property or new home.
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Need some more help?
What is a credit rating?
Discover how to improve yours
Learn why your credit rating is important, and how to improve it so you’re more likely to be considered for credit in future.
Know your loans
Learn about secured and unsecured loans
This guide to borrowing covers some of the key factors you should consider when choosing the best loan for your needs.
Understanding loan rates
What's an APR?
We explain what APR means – and the difference between representative and personal APR.
Home improvement loan questions and answers
What is an unsecured home improvement loan?
You borrow an amount of money without securing the loan against any asset. You’ll need a good credit rating to get this.
How do unsecured home improvement loans work?
Apply online or in the app and we’ll let you know if we can lend you the money. You can see what your monthly repayments would be using our calculator.
How much can I borrow for home improvements?
You can apply to borrow up to £50,000.
Can I borrow more on my mortgage for home improvements?
You can apply to borrow more on your mortgage with us. You’ll need to book an appointment to talk to us about this.
Is it cheaper to remortgage or get a home improvement loan?
This depends on how much you owe on your mortgage and on your personal circumstances. It’s best to talk to us about this, so we can help you decide which option works best for you.
Is a loan the best way to pay for home improvements?
It’s all down to your personal circumstances and what suits you best. You could consider a personal loan, or consolidating your debt. Or you could save up and pay for it when you have enough money.
All loans are subject to your financial circumstances and borrowing history at the time you apply.
Talk to us about loans
Online or in-app
Check to see if you’re eligible to apply for a loan in Online Banking or your app now.
Please note that we might not have all the information we need to show you a provisional loan limit.
Over the phone
If you have any questions, you can speak to a lending specialist on 0345 734 5345 4
Visit us in branch
We’re on hand if you’d like to discuss your options in person. You can find your nearest branch and opening times here.