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.
To apply for a loan online, you must be 18+ and a UK resident with a NatWest current account (held for 3+ months).
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.
Apply in minutes
It takes minutes to apply online. It's also easy, as we fill out your info where we can.
Fixed-rate loans
Your interest rate is fixed, so you’ll usually pay back the same amount each month.* Simple.
Borrow up to £50,000
Renovate. Improve. Extend. Your loan could create your dream home - and make it greener too.
You could get your money today
Your money could be in your account the same day if you apply online, are unconditionally accepted and sign your loan documents before 5:45pm Monday to Friday, excluding bank holidays. (It may take longer if we need more info).
*You'll pay the same each month as long as you pay the full amount each month, on time (otherwise you might have fees on top). What's more, the final monthly payment may be slightly higher or lower than the rest.
How long could I borrow for?
Home Improvement loan calculator
Representative Example
£7,500
0 months
£137.55
£8,253.00
3.9
% APR
3.9
% p.a.
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 a free personalised quote
Find out if you're likely to be approved for a loan and get your personalised rate at the start of your application. It only takes a few moments and there's no impact on your credit score.
Take a break with a 3-month loan repayment holiday
- At the start of your application, we'll give you a quote. This might include the option to take a repayment holiday.
- You could then choose to delay your first payment by three months.
- You'll need to say if you want to take a repayment holiday before you start your loan.
If you take a loan repayment holiday, your loan will take longer to pay back. You'll also have to pay back more each month - so your loan will cost more. This is because we charge interest during your loan holiday.
Pay us back early, if you want
You can pay us back early, but you'll need to pay a fee.
Use our quick and simple app
Pay your loan off, overpay and more. Our app is quick, easy and secure. See who can use our app.
Change your payment date
Want to change your payment date? Just call us. See how to change your loan Direct Debit date.