Banner for Home Improvement Loans

Home Improvement Loans

Make your home more you
with Novuna Personal Finance


Low rate loans from

3.1 % APR

Representative on £7,500 to £25,000

Representative on £7,500 to £25,000

Renovate your property with a home improvement loan

  • Home Improvement loans as low as 3.1% APR for your next project

  • Helping people fund their home improvements since 1982

  • Choose the date your repayments are made each month

  • No hidden charges or arrangement fees

  • Up to 5 years to pay back the home improvement loan

  • The UK’s Best Personal Loan Provider for 8 years running

Loan calculator

Choose how to calculate your loan repayments

Our price promise

Representative Example:

Monthly repayment


Interest rate

{value}% APR

Total amount payable


Loan amount


Loan Term

{value} months

Apply Now

Our price promise

Remember, the rate you are offered may vary due to personal circumstances and loan amount, the majority of our customers receive the advertised rate. However, if you complete an application directly via the Novuna Personal Finance website and are given a higher APR, we guarantee that you'll never pay more than £235.3 per month with our maximum 32.4% APR Representative when you borrow £7,500 over 5 years*.

The maximum APR you could be offered when you borrow other loan values is 35.9%*. All loans are subject to status.

*Only for applications carried out directly via the Novuna Personal Finance website

What can I use a home improvement loan for?

Whether you want to convert, extend, improve your home office, add a conservatory, renovate your kitchen or finance a new roof, we’ve created a range of competitive home improvement loans to cater for all kinds of different projects.

Loan calculator

Why choose us for home improvement financing?

Shopping around for home improvement loan options? With us you’ll find low APR loans and outstanding customer service. It’s why we've been voted Best Personal Loans Provider by for the last 8 years running

Customer reviews

Our range of Home Improvement Loans

Loft Conversion Loans

Increase your living space with a bright dormer loft conversion, perfect for guest rooms and hobbies.

Conservatory Loans

Enjoy your garden year round, or extend your living space with a conservatory loan.

Home Extension Loans

Add space and value to your property with a home extension loan

What is a Novuna Home Improvement Loan

A home improvement loan is a type of unsecured personal loan specifically designed for renovations plans such as extensions, loft, or basement conversions as well as smaller DIY projects.

Using a personal loan is the ideal way to transform your home and add value to your property, without the initial outlay.


Not only will home improvements provide you with years of happiness, increased energy efficiency and more living space, you could also be adding value to your property.

According to, large-scale home improvements like converting a cellar can add up to 30% to the value of your home and smaller renovation projects like bathroom upgrades can enhance the value of a property by 3-5%.


Making home improvements, such as loft or basement conversions, converting a garage or adding a conservatory can add value to your property and are well worth the investment if done correctly.

PropertyMark suggests that upgrading an outdated kitchen or bathroom prior to selling could be worth it if you have the time and money as buyers may be willing to pay more to save themselves the hassle of doing it themselves.

Even if you’re not planning to sell your property right away, using our home improvement loan to make well thought out and executed renovations could potentially see you receive the money back (and more) once you move onto your next property.

Investing in appropriately sized home improvements that will stand the test of time while making your home more attractive to potential buyers is ultimately what adds values.

According to, this is the potential value that these home improvements could add to your home:

Home Improvement AreaPotential Value Added
Splitting a house into flats30%
Converting a cellarUp to 30%
Converting a garage into living space15%
Extending a kitchen with a side-return extension15%
Adding another bedroom with a loft conversion15%
Increasing living space with a conservatoryUp to 10%
Upgrading your current bathroom3-5%

A home improvement loan could help you fund your dream home renovations and turn your plans into reality.

As it’s a big financial decision, remember to factor in those easy-to-forget costs when planning your project. A small DIY project might seem straightforward enough but hiring a contractor or obtaining planning permission can increase the price.

It’s important to consider these factors when you’re working out how much you’d like to borrow for your home improvement loan and don’t forget to take your current financial situation the impact of the monthly repayments into consideration.


Home Improvement Loan FAQs

Customer Experience Rating

Customer satisfaction is vital to our success, which is why we’re the only provider to give full visibility of our reviews, updated in real-time, 24 hours a day. Read all reviews

Helpful home improvement articles and guides