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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)

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.

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?

  1. Apply online
  2. We’ll let you know if we can lend you the money 
  3. 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

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
Amount
Term
Term
Months
months0
Monthly repayment

The same every month

Total amount payable

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
  pa (fixed).
Monthly repayment of  .
Total amount payable  .

Representative APR applies to loans of

How to apply

1. Click ‘Check now’ to see if you’re eligible

2. Log in to Online Banking and you’ll see how much you could borrow

3. Choose ‘See my personal rate’ to apply for a new loan, or resume an application you already started

4. We’ll let you know if we can lend you the money

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 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.

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.

Select
  • Other borrowing options

    Barclaycard

    Choose from our range of credit cards, which include cards for everyday purchases and balance transfers.

    Overdrafts

    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.

  • 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. 

    A row of terraced houses with bay windows

    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.

    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 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

Over the phone

If you have any questions, you can speak to a lending specialist on 0800 800 30024.

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.