See your rate
We’re different to most other lenders – in many cases we’ll give you a personalised price quote up front. You’ll see the rate you’ll actually get, and the quote won’t affect your credit score.
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.
4.9% APR representative
on loans of
£7,500 – £15,000
over 2 to 5 years (your rate may differ1)
Benefits
Start straightaway
You could get your money and start sprucing up your home straightaway, as long as you
- Apply online or in your app and your application is approved
- Sign your agreement online or in your app between 7am and 10.30pm
Fixed monthly repayments
Your repayments will be fixed, and you can choose your payment date, to help you budget and plan to buy everything else you need for your new home.
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To apply online, you'll need
A Barclays current account
UK residency
To 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 here, and we’ll take you to your saved application form.
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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.
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.
Monthly repayment
The same every month
Total amount payable
Loan required
APR
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
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.
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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 Trust2, 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 Energy2.
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.
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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.
Talk to us about loans
Over the phone
If you have any questions, you can speak to a lending specialist on 0800 716 5982 3.
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.