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Home Improvement Loans

 

Make your home your happy place with a home improvement loan

Representative 6.6% APR

This rate is available on loans between £7,500 and £14,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances, loan amount and term and may differ from the Representative APR.

What is a home improvement loan?

Want to revamp your nest? From odd jobs to grand designs, a home improvement loan could make it happen.

You could borrow up to £50,000 over 1 to 10 years dependent on how much you are borrowing. If approved, your money will wing its way straight to your account. 

Why get a home improvement loan from us?

You could get your money today

Just sign your loan documents before 5.45pm Monday to Friday, excluding bank holidays. (It may take longer if we need more info.) You must apply online and be unconditionally accepted.

It's quick and easy to apply

It takes minutes to apply online. In fact, you could be done in the time it takes to brew a cuppa. We also make it a breeze for you, as we fill out your info where we can.

Borrow up to £50,000 (fixed rate)

Your interest rate is fixed. So, you'll pay the same amount each month (you must pay the full amount, on time, or you may have fees on top). Your last payment may might be higher or lower.

How long could you borrow for?

You could pay back your loan over 1 to 10 years - it depends on how much you're borrowing.

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, loan amount and term 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.

Get your free personalised quote

Find out if we're likely to say 'yes' before you apply and how much your loan could cost. Don't worry - a quote takes minutes and won't affect your credit score. 

It's easy to manage your loan

Pay us back early, if you want. You'll need to pay a fee. 

Read about our early repayment fee.

Pay off your loan, overpay and more in our simple and secure mobile app. 

See who can use our app.

Change your Direct Debit payment date by just giving us a call.

See how to change your loan Direct Debit date.

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:

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application. 

All okay? Let's go

Just a heads up... To apply for a loan, you’ll need the Ulster Bank app.

What device are you using?
Are you using your mobile, or something else, to apply?
Is our app on the device you’re using right now?
Is our app on the device you’re using right now?
Are you applying on your own?

Great, let's get started

Just a heads up - you'll be asked to log into the Ulster Bank mobile app to start your loan application.

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

Just a heads up - you'll be asked to log into the Ulster Bank mobile app to start your loan application.

To apply for a joint loan applicants must both:

  • be 18+ and a UK resident;
  • hold a Ulster Bank current account for at least 3 months+
  • have not been declared bankrupt in the last 6 years; and
  • not have applied for a loan in the last 28 days.
  • you'll be asked to log into the Ulster Bank mobile app to start your loan application.

The main applicant (the person about to start the application) should have both of your addresses, incomes and outgoings to hand. 

Let's get you set up

To apply for a loan, you’ll need to get the mobile app. The good news is that it should only take you 5 minutes.

You’ll need:

  • Your Anytime Banking customer number, PIN and password.
  • Your mobile phone – to get your one-time password.

Not registered for Anytime Banking? Sign up here. 

Do you have the Ulster Bank app?
To start your application, you’ll need the Ulster Bank app. Have you got it?

Apply on your mobile device now

To apply for a loan, please follow the steps below.

  1. Log into the Ulster Bank mobile app.
  2. Click the 'Apply' button.
  3. Select the 'Loans' tile and 'Apply'.

Let's get you set up

To apply for a loan, you’ll need to get the mobile app. The good news is that it should only take you 5 minutes.

You’ll need:

  • Your Anytime Banking customer number, PIN and password.
  • Your mobile phone – to get your one-time password.

Not registered for Anytime Banking? Sign up here. 

Anything else we can help you with?