Only borrow what you need
The bigger the loan, the more you’ll have to pay back in interest. Try to budget well at the start of the project and apply for what you need – without leaving yourself short of funds
Home improvement loans
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Compare a range of loans to renovate your home
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Our best home improvement loans - rates from 5.7%^
Take a look at our best personal loan rates that can be used to fund a home renovation.
Loan Amount | Representative APR* from | Eligibility Checker |
|---|---|---|
£3k - £4,999 | 9.9% (Santander) | |
£5k - £6,999 | 5.9% (Santander) | |
£7k - £7,500 | 6.5% (People's Choice) | |
£7,500 - £15k | 5.7% (M&S Bank) | |
£15,001 - £20k | 5.7% (M&S Bank) |
*Rates shown are Representative rates, which means that at least 51% of those accepted must get this rate but others can be charged more. Actual rate depends on individual financial circumstances.
Home improvement loan calculator
Use our new loan calculator to estimate the cost of your loan with ease. Based on MoneySuperMarket data from the past 3 months, the average APR for home improvement loans between £7,500 and £14,999 is 13.0%
Loan calculator
Find out what monthly repayments would be, how much you'll pay overall and how much you could borrow.
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Based on the information you supplied, you would be borrowing XXX and repaying the loan in XXX monthly instalments of . The total sum to repay, subject to XXX% APR over the full loan term would be XXX. This assumes there are no extra fees and that your payments are made on time and in full.
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Based on the information you supplied, you could borrow XXX at a monthly repayment rate of to be paid over XXX monthly instalments. Over the full loan term at XXX% APR, the total amount repayable would be XXX. This assumes there are no extra fees and that your payments are made on time and in full.
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The maximum personal loan is £50,000
If you need a larger amount, consider a secured loan, which will allow you to borrow more but uses your home as collateral. Be aware that lenders can sell your house if you fail to keep up with repayments.
What do I need to consider before taking out a home improvement loan?
There are a few things you can do to find the best home improvement loan for you. These include:
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Aim for the cheapest interest rate
The lower the interest rate or APR on the loan, the more money you’ll save on interest repayments. You can also save on total cost if you opt for a shorter loan period
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Consider a secured loan
If you’re struggling to borrow what you need with a personal loan, a secured loan might allow you to get a larger amount at a lower interest rate. But your home could be at risk if you can’t meet repayments
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Optimise your credit score
Making your credit score as high as possible will increase your chances of getting a better deal. Loan providers look at your credit rating to judge how much of a risk you are when lending.
How much can I borrow for home improvements?
The amount you can borrow for home improvements varies depending on the type of loan and your individual circumstances.
You can typically borrow between £1,000 and £50,000 for home improvement loans.
Some lenders offer loans where you can borrow up to 90% of your home's value, with a minimum of £5,000.
How quickly can I get a home improvement loan?
You can typically get a home improvement loan quite quickly, with some lenders offering same-day approvals or funds within a few working days.
You can apply for a home improvement loan at any time, even after purchasing your property. The speed of approval and disbursement of funds depends on the lender and the type of loan you choose.
What’s the repayment period on a home improvement loan?
Home improvement loans typically have repayment periods ranging from 1 to 10 years, with some lenders offering options up to 10 years. The exact repayment period offered will depend on the loan amount, the lender, and the borrower's individual circumstances.
How much do people borrow for home improvements?
The most common loan amount for those looking to fund a home renovation is between £7,500 and £14,999, based on MoneySuperMarket data from September 2024. Our chart shows how much people typically borrow.
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How to compare home improvement loans with MoneySuperMarket
Find the right loan for you and see which rates you’ll be guaranteed to get.
Other ways of financing home improvement projects
Using your savings
One of the advantages of using your savings for home improvements, compared with a home improvement loan, rather than for holidays or a new car, is that as well as making your environment a nicer place you are making an investment.
A modern bathroom could add as much as 3% to its price tag, while a decent new kitchen could add 5%, according to estimates by Zoopla. It’s definitely something for homeowners to weigh up.
Using a 0% purchase card
If you need to borrow to pay for your refurb, a credit card can be a useful option – providing you use it carefully and the credit limit you’re given meets your requirements.
One of the advantages of using a credit card is it's subject to Section 75 protection, meaning your credit card issuer has equal responsibility with the seller if there are problems with the things you’ve bought or the company you’ve bought them from goes bust.
Borrowing additional money against your home
If you're a homeowner, beyond secured loans you may be eligible to apply for more money on your existing mortgage to finance home improvement projects.
Each lender will have its own lending criteria, but generally, they require you to be up-to-date with your mortgage payments, be a UK resident and the loan will carry a minimum term (e.g. three years).
Our expert says…
Don’t be fooled into regarding a home improvement loan as ‘not a real debt’ because you expect it to be written off by the increase in value to your property that the building work will surely bring. The average amount MoneySuperMarket users borrow is £10,000, which is a large amount of money.
Be confident you can meet those repayments, and if you’re focused on adding value to your home, ask a local estate agent whether your proposed improvements will really help boost the asking price before you start the ball rolling.
Kara Gammell Personal Finance & Insurance Expert
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More tips for home improvement
Is borrowing to pay for home improvements a good idea?
Borrowing for home improvements can be a good idea if you know you can afford it.
Sprucing your home up before putting it on the market, making it more energy efficient, or building an extension to increase the property’s value are all valid reasons for using loans to invest in your property.
Can I add to my mortgage for home improvements?
Additional borrowing is one reason to remortgage your home. In this case, you borrow more money on your mortgage and increase the overall size of your debt.
You can then use these extra funds to pay for home improvements if your lender agrees. Lenders are not obliged to lend you more money, and they can refuse requests – some lenders do not agree to remortgaging for home improvements.
What is the difference between a home equity loan and a home improvement loan?
A home equity loan is another name for a secured loan which uses your home as collateral. Home equity loans are lent to people who already have a mortgage, and whose property has gone up in value since they took that mortgage up – meaning they now have positive equity.
A home equity loan is borrowed against the increased value of the equity that has built up in your home since you bought it. So if your home has fallen in value, you might have more difficulty finding one.
What should I consider before borrowing?
Important considerations include:
How much you need to borrow and whether you take out a secured or an unsecured loan
Affordability. Be sure you can meet the monthly repayments. Our loan calculator can help with this
Your credit history. How much you can borrow and the interest rate you’re offered will depend on your borrowing track record so take steps to get it in the best possible shape
If you take out a secured loan your home will be at risk if you get into difficulties and can’t repay it
Can I get a home improvement loan with bad credit?
You may be able to get a home improvement loan even if you have bad credit, although you might not be able to borrow as much and the interest rate could be higher.
There are lenders who specialise in borrowers with bad credit and when you compare loans with MoneySuperMarket, we’ll run a soft credit check first to show you your chances of being accepted for each deal.
CCJs, IVAs, and other forms of debt management will make it difficult to secure a loan at a good rate.
Am I eligible for a home improvement loan?
You will be eligible for a home improvement loan in the UK provided you meet the lender’s criteria. This is likely to include being aged 18 or over and a UK resident.
You’ll also have to pass the loan provider’s affordability checks to show you can meet your monthly repayments.
What should I do if I’m struggling to meet my repayments?
If you're struggling to keep up with repayments on a home improvement loan, contact your lender to explain your situation and explore potential solutions such as extending the length of the loan or taking a payment holiday (although interest may still accrue). You can also seek non-judgemental advice from debt charities such as StepChange, National Debtline, and Citizens Advice.
What is the most I can borrow for a home improvement loan?
The maximum amount you can borrow for a home improvement loan depends on various factors, such as your creditworthiness, income, and the lender's criteria. In the UK, it typically ranges from £5,000 to £100,000 or even more for secured loans, where you use your property as security.
Unsecured loans usually have lower limits. Always compare offers from different lenders to find the best option for your needs.
Lenders
Curious about who’s behind the loans? Take a look at each lender’s page below to learn more:
Reviewed on 27 Apr 2026 by
Selected providers. SuperSaveClub restrictions and T&Cs apply. Click here for details.
Up to £130 if every qualifying product purchased once. T&Cs apply. Click here for details.
Based on the loan enquirys made on MoneySuperMarket between January 2026 and March 2026.
Based on the loan enquirys made on MoneySuperMarket between January 2026 and March 2026.
Accurate as of September 2024
Accurate as of September 2024
Accurate as of September 2024
Accurate as of September 2024
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
Lowest representative APR for loans between £7.5k and £15k. Accurate on 20 April 2026. Subject to credit status.
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information
