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Improving your home

Bring your vision to life with our home improvement loan

Representative 3.4% APR

Taking out a home improvement loan

If you're looking to spruce things up with some DIY, our home improvement loan could help

In most cases, if you're applying for a sole loan you could get a personalised quote at the start of your application before deciding if you want to complete your application

Get your loan funds on the same day if you apply online, are unconditionally accepted and sign your loan documents before 5.45pm Mon-Fri. Sometimes we need to contact you for more information, so it can take a little longer

 

Loan repayment terms

This is the length of time you can take a loan over, depending on the amount you're borrowing and what it will be used for.
Remember, the maximum borrowing amount for a joint loan is £35,000.

Loan calculator

Home improvement loans are available over an extended term, up to 10 years.

How much would you like to borrow?

Representative 50  APR

The Representative APR changes based on the amount you borrow. You can borrow more than £7,500 over a period of up to 8 years.

Representative 50  APR

The Representative APR changes based on the amount you borrow.

How long would you like to repay?

20 Months

Representative Example

Borrowing

£7,500

Over

0 months

Monthly Repayment

£137.55

Total Repayment

£8,253.00

Representative

3.9

% APR

(Annual Percentage Rate)
Interest rate

3.9

% p.a

(Fixed)

The rate you pay depends on your circumstances and loan amount and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator. 

The rate you pay depends on your circumstances and loan amount and may differ from the Representative APR. We will never offer you a rate exceeding 29.9% p.a. (fixed), regardless of loan size. This means you're not guaranteed to get the rate you see in the calculator. 

Let's get ready to apply

Before you apply, we need to check you're happy with a few things.

First, you can apply online if you:

  • are 18+ and a UK resident with an Ulster Bank current account (held for 3+ months)
  • have not been declared bankrupt in the last 6 years
  • have not applied for a personal loan with us within the last 28 days

Now please read a few other important things:

Ready to apply?

Do you have Ulster Anytime Banking?
If you know your Anytime Banking details we can pre-fill some of your information - making the application process faster.
Are you applying on your own?

Great, let's get started

Just a heads up - you'll need your Anytime Banking login details at the next step.

Great, let's get started

You're about to start your application so just a heads up:

  • to apply for a joint loan both applicants must:
    - be 18+ and a UK resident
    - have not applied for a loan with us in the last 28 days or been declared bankrupt in the last 6 years
    and either: 
    - both hold a sole Ulster Bank current account (held for 3+months)
    or       
    - share a joint Ulster Bank current account (Held for 3+ months)        
  • we'll run a full credit check to tell you if you're accepted for a joint loan
  • you'll need your Anytime Banking log in details handy

Let's get you signed up for Anytime Banking

You’ll need to sign up for Anytime Banking with us in order to apply for a loan. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Ulster Bank Debit Card, if you have one.

Once you've registered, select 'next' to log in and apply for a loan.

Are you applying on your own?

Great, let's get started

Just a heads up - you'll need your Anytime Banking log in details at the next step.

Great, let's get started

You're about to start your application so just a heads up:

  • to apply for a joint loan both applicants must:
    - be 18+ and a UK resident
    - have not applied for a loan with us in the last 28 days or been declared bankrupt in the last 6 years
    and either: 
    - both hold a sole Ulster Bank current account (held for 3+months)
    or       
    - share a joint Ulster Bank current account (Held for 3+ months)
  • we'll run a full credit check to tell you if you're accepted for a joint loan
  • you'll need your Anytime Banking log in details handy

Anything else we can help you with?