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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 home improvement loan

We make it easy to manage your loan, so you're in control:

Pay us back early, if you want

You'll just need to pay a fee.

Make overpayments

Chip away at your balance as and when you can.

Use our quick and simple app

Everything you need in one place.

Change your payment date

Just give us a call and we’ll update your Direct Debit.

Pay us back early
Make an overpayment
Check your credit score via the mobile app
Change your payment date

Can I pay off my loan early?

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. 

Ready to apply?

Just so you know, you can only apply if you have two loans or less with us right now. (More than two loans? You'll need to pay one off before you apply.)

To speed up your application for a loan, we need to do a few final checks with you. They'll only take a minute.

What device are you using?
Are you using your mobile, or something else, to apply for a loan?
Is our app on the device you’re using right now?
The Ulster Bank app is the easiest way for you to apply for a loan. Do you have it on this device?
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.

A quick heads-up before you apply...

To apply for a joint loan applicants must both:

  • Be 18+ and a UK resident.
  • Have your own mobile number and email address.
  • Have had an Ulster Bank current account for 3 months+.
  • Have our app - you'll use it to apply.
  • Not have been declared bankrupt in the last 6 years.
  • Not have applied for a loan in the last 28 days.

Are you applying first? You'll need to know:

  • Both your addresses.
  • Both your incomes and outgoings (how much you spend).
Do you have Ulster Anytime Banking?
If you know your Anytime Banking details we can pre-fill some of your info - making the application process faster.
Are you applying on your own?

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Anytime Banking, then return to our loans page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1. Log in to Anytime Banking.
  2. Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our loans page.
  4. Choose ‘Apply for a loan’.
  5. Choose ‘Let’s start’ (under ‘Ready to apply?’).

Log in and apply

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Anytime Banking, then return to our loans page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1. Log in to Anytime Banking.
  2. Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our loans page.
  4. Choose ‘Apply for a loan’.
  5. Choose ‘Let’s start’ (under ‘Ready to apply?’).

Log in and apply

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.

Do you have Anytime Banking?
Got Anytime Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.
Are you applying on your own?

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Anytime Banking, then return to our loans page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1. Log in to Anytime Banking.
  2. Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our loans page.
  4. Choose ‘Apply for a loan’.
  5. Choose ‘Let’s start’ (under ‘Ready to apply?’).

Log in and apply

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Anytime Banking, then return to our loans page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1. Log in to Anytime Banking.
  2. Choose ‘Loans’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our loans page.
  4. Choose ‘Apply for a loan’.
  5. Choose ‘Let’s start’ (under ‘Ready to apply?’).

Log in and apply

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.