Spruce up your property
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?
You can see what your rough monthly repayments could be using our calculator
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
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.
As a lender, we have a responsibility to act fairly and responsibly. 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.
What we ask of you
Please let us know if
We would also encourage you to refer to the terms and conditions associated with your current account, credit card or personal loan.
Work out how much you'd like to borrow with our home improvement loan calculator. The results are based on the representative APR for the amount you enter. The representative APRs shown are based on all loan applications made by Barclays customers. Your actual rates and repayments might differ and will be based on your personal circumstances, the loan amount and term.
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
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 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.
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.
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 Trust4, 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 Energy4.
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.
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.
See what your loan could look like with a personalised quote.
You might be able to borrow more on your current mortgage with us while keeping your existing balance on your current rate and term.
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.
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.
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.
What's an APR?
We explain what APR means – and the difference between representative and personal APR.
You borrow an amount of money without securing the loan against any asset. You’ll need a good credit rating to get this.
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.
You can apply to borrow up to £50,000.
You can apply to borrow more on your mortgage with us. You’ll need to book an appointment to talk to us about this.
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.
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.
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.
If you have any questions, you can speak to a lending specialist on 0345 734 5345 5
We’re on hand if you’d like to discuss your options in person. You can find your nearest branch and opening times here.
