
Home Improvement Loans
Looking to upgrade your home and increase its value?
Voted UK’s Best Personal Loan Provider for the last 9 years running
Low rate loans from
7.4 % APR
Representative on £7,500 to £25,000
Representative on £7,500 to £25,000
Feeling some room for improvement? Apply for a home renovation loan
A loan for home improvements can give you access to the funds you need to spruce up your house. Think bigger than just a fresh lick of paint. Renovate, redecorate or refresh any room without worrying about the costs stacking up. With a loan to suit your budget, you can get started on your project sooner.
What are the benefits of a home improvement loan?
Using a personal loan for home improvement is a great way to spread the cost of a pricey project. Here’s why:
Why choose Novuna Personal Finance?
If you’re searching for the best value home improvement loans, our low interest options could help you transform your house into a home in no time.
Start scoping out your new project
Get an idea of total or monthly repayments depending on the loan amount you need and how long you want to borrow for.
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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 £236.39 per month with our maximum 32.7% APR Representative when you borrow £7,500 over 5 years*.
The maximum APR you could be offered when you borrow other loan values is 36.4%*. All loans are subject to status.
*Only for applications carried out directly via the Novuna Personal Finance website
Please enter a loan amount using the plus or minus keys or by typing into the field.
To make things a little easier for you to find the right loan amount and term, please note:
- The loan amount should be between £1,000 and £35,000 only
- You can borrow between £1,000-£7499.99 over a period of 2 to 5 years only (24 months to 60 months)
- You can borrow between £7,500-£25,000.99 over a period of 2 to 7 years only (24 months to 84 months)
- You can borrow between £25,001-£35,000 over a period of 4 to 5 years only (48 months to 60 months)
You can enter a loan amount using the plus and minus keys or by typing into the field
Apply for your home improvement loan today
Our quick and simple online application process is designed to make applying for home improvement finance a breeze:
- Complete our online application form in just minutes
- Receive an instant decision
- If accepted, read and sign your credit agreement
- Funds will be with you in just two working days
- Start planning your project, with the money you need in your account ready to go

What can home improvement loans be used for?
You can use our home improvement loans to finance almost any project. Extend your house, convert your loft, improve your home office, add a conservatory, invest in some eco-friendly home upgrades, change your bathroom, renovate your kitchen, finance a new roof… or simply use a small loan to fund your DIY dreams.
The choice is endless, but the question is this… what project do you want to get stuck into next?
Loft conversion loans
Perfect for guests or a snazzy new home office, our loft conversion finance will help you make the most of your space
Home improvements loans for landlords
There are lots of reasons landlords might require a home improvement loan. You may be:
- Getting ahead of the proposed new EPC regulations
- Renovating or redecorating a new short-term rental property
- Preparing to sell your home ready to quit the private rented sector
- Improving your rental property in between tenancies, potentially in advance of rent increases
Whatever your personal circumstances, a home improvement loan can give you access to the funds you need to renovate or improve your rental property. Simply borrow the money you need and pay it back over a series of fixed-rate monthly instalments.
You may find a house improvement loan is a much more straightforward option compared to depleting your savings, remortgaging or releasing equity from a buy-to-let property.
Find out more about the challenges landlords are facing and how you can stay one step ahead.

Read real customer stories


"I transformed my house into a home one room at a time"
Neil and his family were able to fund a new kitchen thanks to a home improvement loan. And when the time came to refresh their lounge, they came back to us again to help them get started on their refurbishment project sooner.
Find out about Neil's home improvement plansAbout home improvement loans
- A quick recap on our home improvement finance
- What is a home improvement loan?
- Am I eligible for a home improvement loan?
- How much can I borrow?
- How long can I take out a home improvement loan for?
- Are home improvement loans secured or unsecured?
- What do I need to consider before applying for a home renovation loan?
- Is a home improvement loan tax deductible?
- Do home improvements add value to my property?
- Can a home improvement loan be added to my mortgage?
- How can I finance home improvements without equity?
A quick recap on our home improvement finance
- Borrow between £1,000 and £35,000
- Spread your monthly repayments over 2 to 7 years
- Enjoy low-rate home renovation loans from 7.4% APR Representative (£7,500 to £25,000)
- Apply online in just minutes and receive an instant decision
- If accepted, once complete, the money could be yours within two working days
- It's easy to make overpayments or settle your loan early
- Manage every aspect of your account online or via the app
What is a home improvement loan?
A home improvement loan is a type of unsecured personal loan specifically designed to help you achieve your renovation goals.
Using a personal loan is the ideal way to transform your home and add value to your property, without worrying about finding a large sum of money upfront or spending years trying to save up enough to get started.
Simply borrow the money you need and pay it back over a series of fixed-rate monthly instalments.
Am I eligible for a home improvement loan?
You’ll need to fulfil the following lending criteria to be eligible for home improvement finance:
- Be aged 21 or over
- Be a permanent resident of the UK (and have been living in the UK for the past three years)
- Be in permanent paid employment, self-employed or retired with a pension
- Have an income greater than £10,000
- Have a good credit history
- Have a bank or building society account
We’ll ask for your address history from the last three years, your employment details (including annual income) and your bank details, so it’s important you have this information to hand before applying.
How much can I borrow?
With a Novuna Personal Finance home improvement loan, you can borrow from £1,000 to £35,000 at low rates from 7.4% APR Representative (£7,500-£25,000).
Apply for a £10,000 loan to help fund your kitchen or bathroom renovations or a £25k loan for a bigger project. Whatever your home improvement plans, our loans can help you to make it happen.
How long can I take out a home improvement loan for?
You can repay your home improvement loan over 2 to 7 years, helping to make a big project more manageable by allowing you to spread the costs.
Are home improvement loans secured or unsecured?
All Novuna Personal Finance loans, including our home improvement loans, are unsecured. This means you won’t need to put up any assets (such as your home) to ‘secure’ the loan. Our lending decision will be based purely on your creditworthiness and your ability to repay the loan. There’s no risk of your house being repossessed if you fail to make your repayments, though it will be recorded on your credit report which could impact your ability to borrow in the future.
For more information, read our guide on the difference between unsecured and secured loans.
What do I need to consider before applying for a home renovation loan?
A home improvement loan is a great way to turn your plans into a reality, but you have a big decision to make when it comes to financing your home improvements.
Look at our handy guide which covers the questions you need to ask yourself before applying for a personal loan. You’ll need to know how much you’d like to borrow and over how long, as this will impact your monthly repayments and how much interest you’ll pay back overall.
Is a home improvement loan tax deductible?
Whether your home improvements are tax deductible or not may depend on the specific type of project and the extent of the renovations. For tax advice on your home improvement plans, please contact HMRC or a qualified accountant.
You may be more likely to successfully claim for tax deduction on energy-efficient renovations, installing necessary medical equipment, repairs for a rental property you own or home office improvements if you’re self-employed. You should always keep written evidence of your costs when undertaking home improvements to help your accountant work out what might be tax deductible or not. Again, though, please always seek professional advice.
Do home improvements add value to my property?
Investing in appropriate home improvements that will stand the test of time while making your home more attractive to potential buyers is ultimately what adds values.
Some of the most popular home renovation projects that add value to a property include converting a cellar, garage or loft, adding an extension or upgrading the kitchen or bathroom.
Even if you’re not planning to sell your property right away, using a 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.
According to Zoopla, you could find the following home improvements could add significant value to your property…
Home improvement area | Potential value add |
Converting a garage into living space | 15% |
Investing in a full kitchen redesign | 15% |
Adding another bedroom with a loft conversion | 15% |
Converting a cellar | 10-15% |
Increasing living space with a conservatory | Up to 10% |
Upgrading your current bathroom | 3-5% |
For more top tips, check out our guide on the top home improvements that’ll add value to your property.
Can a home improvement loan be added to my mortgage?
If you’ve just bought a new home, it’s only natural to want to make changes. At Novuna Personal Finance, our low APR unsecured loans can help you get started as soon as you move in.
However, you can explore different ways of financing your home improvements by contacting your mortgage provider. You could find increasing your existing mortgage to give you the capital you need or remortgaging to free up some funds are viable options for you. Do keep an eye on interest rates, though. A lower APR might seem like a good deal but, when you’re looking at the total interest you’ll pay back over a long repayment period you could find yourself paying a lot more in the long-run compared to taking out a short-term personal loan.
How can I finance home improvements without equity?
An unsecured personal loan is a great way to fund home improvements if you don’t have equity as you won’t be required to put up any valuable assets, such as your home, as collateral.
Equity is the amount of money you own on your home (basically how much your property is worth, minus the mortgage). A common way to improve equity is to increase the value of your home, and a great way to do that is by making some home improvements. You can fund these renovations using a low-rate unsecured personal loan, if eligible.
Our customers love our home improvement loans
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