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

0 APR Representative
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.

    Price guarantee

    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.

    Top-up option

    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.

  • Eligibility

  • 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.

mths 0
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

Find out the best way for you to apply for this loan.
If you bank with us, we could tell you your personal loan rate up front – just make sure you've read the information on this page before you apply.

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.

    Premier Barclayloan

    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.