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Home Improvement Loans

Improve, renovate or extend your house with a home improvement loan

Representative 5.9% APR

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.

Borrowing terms for a home improvement loan

This is the length of time over which your loan agreement is in place. Our minimum and maximum terms for certain loan amounts are shown below.

Home Improvement loan calculator

Home improvement loans are available over an extended term, up to 10 years.

How much would you like to borrow?

Representative 50  APR

The Representative APR changes based on the amount you borrow. You can borrow more than £7,500 over a period of up to 8 years.

Representative 50  APR

The Representative APR changes based on the amount you borrow.

How long would you like to repay?

20 Months

Representative Example

Borrowing

£7,500

Over

0 months

Monthly repayment

£137.55

Total repayment

£8,253.00

Representative

3.9

% APR

(Annual Percentage Rate)
Interest rate

3.9

% p.a.

(Fixed)

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

Benefits

Get a quote with no impact on your credit score

If you have a NatWest current account, in most cases we'll confirm the loan amount and your rate at the start of your application with no impact on your credit score. Nice and handy.

You could get your loan on the same day

If you apply online, are unconditionally accepted and sign your loan documents before 5.45pm Mon – Fri (excludes Bank Holidays). Sometimes we need to contact you for more information, so it can take a little longer.

You could repay your loan early, if you want

If you find you have a bit more money in your account you might decide to repay your loan early. It's important to remember that you will pay an early repayment charge.

Features

Manage your loan in the mobile app

Change your payment date

You can request to change the date you pay your loan Direct Debit.

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.

Sounds good so far? Just a bit more info to get through:

Ready to apply?

Do you have NatWest online banking?
If you know your online banking details we can pre-fill some of your info - making the application process faster.
Are you applying on your own?

Great, let's get started

You're about to start your application so just a heads up:

To apply for a joint loan applicants must both:

  • be 18+ and a UK resident;
  • hold a NatWest current account for at least 3 months+
  • have not been declared bankrupt in the last 6 years; and
  • not have applied for a loan in the last 28 days
  • You'll need your Online Banking details to log in

The main applicant (the person about to start the application) should have both of your addresses, incomes and outgoings to hand. 

Let’s get you signed up for Online Banking

You’ll need to sign up for online banking with us in order to apply for a loan. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest Debit Card, if you have one.

 

Once you’ve registered, select ‘next’ to log in and apply for a loan.

Are you applying on your own?

Fantastic, you're all set!

Just a heads up - You will need your online banking details to log in and apply.

You're about to start your application so just a heads up:

To apply for a joint loan applicants must both:

  • be 18+ and a UK resident;
  • hold a NatWest current account for at least 3 months+
  • have not been declared bankrupt in the last 6 years; and
  • not have applied for a loan in the last 28 days
  • You'll need your Online Banking details to log in

The main applicant (the person about to start the application) should have both of your addresses, incomes and outgoings to hand. 

Something else we can help you with?