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, this loan is designed to help you get more from your property.
Loans are subject to status. Early settlement fees apply.
✔ Have a builder’s quote? You could get a no-obligation price quote1
✔ Simple application and speedy money transfer2 means work can start quickly
✔ Your personal price quote won’t affect your credit score
on loans of
over 2-5 years. (Your rate may differ3 )
Why get a home improvement loan from us?
Know your personal rate before you apply for a Barclayloan
Whether you want to undertake a big build or make a small change to your home, knowing how much you have to spend can really help your project.
And unlike some other lenders, in many cases we can give you a personalised price quote up front – with no impact on your credit score. To find your loan rate, simply log in to Online Banking or Barclays Mobile Banking, if you’re registered1.
You could get your money straightaway
It’s quick and easy to apply for a home improvement loan, and, if your loan application is approved and you’ve signed your loan agreement online, the money is usually transferred to your current account within minutes2.
If you take out a Barclayloan and another lender offers you a like-for-like unsecured loan with a lower APR, you can claim under our guarantee – within 30 days of the date we signed your Barclayloan agreement.
We’ll reduce the interest rate to produce an APR equal to the competing offer and recalculate your monthly repayments to reflect the reduced interest rate. Please see our full price guarantee terms and conditions.
Fixed monthly repayment
This could help you budget.
Choose your payment term
Depending on the loan amount.
Also, with a fixed monthly repayment amount, you can manage your finances effectively.
Already have a Barclayloan and need more funds? You can apply to increase your borrowing with us.
If you just want to take out a second loan instead of topping up, that could be an option too.
Repaying your loan early
You have the right to repay your loan early, in part or full, at any time. We’ll charge a fee equal to 30 days’ interest on the amount you’re repaying, as well as any other interest that’s due.
the right to repay your loan early, in part or full, at any time. We’ll charge a fee equal to 30 days’ interest on the amount you’re repaying, as well as any other interest that’s due.
Resume an application
Our lending commitments and what we ask of you
How much would you like to borrow?
You can use this calculator to gauge your loan rate and repayments.
The calculator results below are based on the representative APR for the amount you enter. Your actual rates and repayments may differ and will be based on your personal circumstances, the loan amount and term.
The same every month
Based on the details you entered
based on a loan of
repayable over months
at an interest rate of
Monthly repayment of .
Total amount payable .
Representative APR applies to loans of
Barclays current account holders
If you have the following, we may already have a provisional loan offer ready for you:
A current account with us
Online Banking or Barclays Mobile Banking*
Other Barclays account holders
If you don't have a provisional loan offer, you could still get your personalised price quote. You'll need:
A Barclays account – such as a Barclaycard
*Not everyone can apply for a Barclayloan, or view their personalised price quote or provisional loan limit online or in Barclays Mobile Banking – this is because certain restrictions apply. Please contact us 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.
Adding value to your property
It’s no secret that home improvements can (but not always) add value to your property. If you’re selling, surveys have shown that homebuyers typically like to see:
- A new kitchen and bathroom
- A parking space or a garage
- Fuel-efficient features, like double glazing, insulation and new boilers
Why not see if you’re eligible for a grant from the government4 to improve the energy efficiency of your home?
Extra space is always popular with buyers, so home extensions, loft conversions and conservatories are popular improvements to make. But don’t assume your outlay will automatically translate into an increase in the value of your home when you sell. And make sure you go for quality, because home improvements done badly can devalue your property.
If you’re not sure about what planning permissions you need, and what building regulations apply, check the government’s planning portal4. It breaks down improvements by each area and feature of your home.
Home improvements can help cut your energy bills
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 borrowing is subject to status.
Other borrowing options
Choose from our range of credit cards, which include cards for everyday purchases and balance transfers.
An overdraft may help you manage your money – and we make it easy for you to work out how much it could cost.
Exclusively available to Premier customers. See what your loan could look like with a personalised quote.
Improve your home
Renovating your home
Our guide to home improvements
We discuss some of the latest home design apps and tools, along with some tried-and-tested methods.
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.
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.
Find the best loan for you
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.
Talk to us about loans
Over the phone
If you have any questions, you can speak to a lending specialist on 0800 716 5982 5.
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.