Banner for Home Improvement Loans

Home Improvement Loans

Looking to upgrade your home and increase its value?

Voted UK’s Best Personal Loan Provider for the last 10 years running

4.9 3523

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:

  • Use your loan to complete any home renovation project sooner

  • Spread the cost of your home improvements over a term to suit you, making your renovation costs more manageable

  • Improve your living space, increase energy efficiency, and add value to your property

  • Fixed-rate monthly payments help you to manage your monthly outgoings

  • An unsecured loan doesn’t require you to use your home as collateral

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.

  • Low interest rates from 7.4% APR Representative

  • Borrow between £1,000 and £35,000 and spread the cost over 2 to 7 years

  • Quick and easy online application form. We’ll make an instant decision and the funds could be yours within 48 hours

  • No upfront fees or hidden charges

  • Outstanding customer support – just take a look at our customer reviews

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.

Home Improvement Loan Calculator

Find out how much our loan could cost each month and in total based on our representative APR. Simply change the amount you wish to borrow or the loan amount to get an instant result.

Choose how to calculate your loan repayments

Representative Example:

Monthly repayment


Interest rate

{value}% APR

Total amount payable


Loan amount


Loan Term

{value} months

Apply Now

A loan of £7,500 over 5 years: rate of interest 7.4% (fixed), 7.4% APR Representative, monthly repayment of £149.09, total repayment of £8945.40

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

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

Conservatory finance

Enjoy your garden year round, or make the most of your living space with a conservatory loan.

Home extension loans

Extend and add value to your property with a house extension loan.

Home improvements loans for landlords

There are lots of reasons landlords might require a home improvement loan. You may be:

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 plans

About home improvement loans

Our customers love our home improvement loans

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.

Home renovation hints and tips