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.

Personal price quote – with no credit footprint

Apply in Online Banking or the Barclays app – most people apply in less than 10 minutes1

Get quick access to your money if we approve your loan2

0 APR Representative
on loans of

over 2-5 years. (Your rate may differ3)

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 or in the app
  2. We’ll let you know if we can lend you the money 
  3. If we approve your application, we usually 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 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.

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.

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.

  • 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.


    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.

  • 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?
    A man wearing protective gloves sits behind a motorbike in a workshop

    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 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.