Taking out a home improvement loan
If you're looking to make your DIY plans a reality or your home more energy efficient our home improvement loans could help
You can get a personalised quote at the start of your online application and then decide if you want to take out a loan with us
You could get your loan funds on the same day if you apply online, are unconditionally accepted and sign your loan documents before 5.45pm Mon – Fri. Sometimes we need to contact you for more information, so it can take a little longer
Planning greener home improvements?
From insulation to solar panels, our guides show how you could reduce your energy usage and make your home more sustainable too.
To apply for a loan online, you must be 18+ and a UK resident with a NatWest current account (held for 3+ months).
Borrowing terms for a home improvement loan
Home Improvement loan calculator
The rate you pay depends on your circumstances and loan amount 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.
Take a break, with a loan repayment holiday
When you apply for a loan, based on your circumstances, we might give you the option to defer your first repayment.
- It's only available at the start of your loan term
- You can defer your first loan repayment for a three month period
- If this option is available, we'll show the details of your repayment holiday at the quote stage of your application
Benefits & features
Get a quote with no impact on your credit score
You could get your loan on the same day
Is a personal loan best for you? Let us help
There are lots of options when it comes to borrowing money. Depending on what you need money for, an overdraft or credit card could be a better option.
You can use our borrowing options guide to help you figure out what type of lending will best suit your needs.
Are you ready to apply?
We'll start with your free quote
At the start of your application, we’ll usually let you know if you could get a loan – and your personalised rate – without affecting your credit score. It’s then up to you if you want to go ahead.
To apply online, you'll need to:
- be 18+, a UK resident and have had a current account with us for at least three months.
- not have been declared bankrupt in the last six years.
- not have applied for a loan with us in the last 28 days.