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Personal Loans - home improvement

Whether it's a splash of paint in the bedroom or a whole new bathroom suite, there's always something that we'd like to get done around the house. Home improvement is one of the most popular reasons for taking out a Personal Loan, so read on to find out if it's the right choice for you...

  • Ditch it or deal with it?


    The floral wallpaper is an eyesore, the cellar is a wet hole in the ground and you'll never understand why the previous owner thought that magenta kitchen units were a good idea. Still, you can live with it, right?

    But making changes to your home isn't just about suiting your tastes - a tasteful makeover or a good-quality renovation can also raise the potential value of your property. Convert the loft into a fourth bedroom, install a trendy breakfast bar in the kitchen or simply get rid of the woodchip. You won't have to look at it every day, and you could make a bigger profit if you move out.

    The floral wallpaper is an eyesore, the cellar is a wet hole in the ground and you'll never understand why the previous owner thought that magenta kitchen units were a good idea. Still, you can live with it, right?

    But making changes to your home isn't just about suiting your tastes - a tasteful makeover or a good-quality renovation can also raise the potential value of your property. Convert the loft into a fourth bedroom, install a trendy breakfast bar in the kitchen or simply get rid of the woodchip. You won't have to look at it every day, and you could make a bigger profit if you move out.

  • Finding the funds


    Unfortunately, even simple home improvements don't always come cheap. Botched jobs or dodgy tradespeople can make little jobs turn into big expenses, so you'll want to avoid the urge to cut corners. But Farrow & Ball doesn't grow on trees - so where’s the money going to come from?

    You could save - tot up the cost and save up for it over time. This is a sensible choice. It will take some patience - and existing problems (like damp cellars or draughty attics) could get worse the longer you wait.

    Another option is to get a Personal Loan. Our loans are flexible and affordable, with the ability to overpay and reduce your interest amount over time. Applications are quick and easy, and you could get immediate access to your money if approved in our App or online. Our rate is currently the lowest it's ever been at 3.3% APR representative on loans between £7,000 and £30,000.*

    *Credit is subject to status. Exclusively available to 1st Account holders. Fixed monthly repayments between 1 and 7 years. Customers who do not meet our normal criteria may be offered a different APR to our representative rate. The rate you receive is dependent on your individual circumstances; credit checks and assessment of your financial circumstances.

    Unfortunately, even simple home improvements don't always come cheap. Botched jobs or dodgy tradespeople can make little jobs turn into big expenses, so you'll want to avoid the urge to cut corners. But Farrow & Ball doesn't grow on trees - so where’s the money going to come from?

    You could save - tot up the cost and save up for it over time. This is a sensible choice. It will take some patience - and existing problems (like damp cellars or draughty attics) could get worse the longer you wait.

    Another option is to get a Personal Loan. Our loans are flexible and affordable, with the ability to overpay and reduce your interest amount over time. Applications are quick and easy, and you could get immediate access to your money if approved in our App or online. Our rate is currently the lowest it's ever been at 3.3% APR representative on loans between £7,000 and £30,000.*

    *Credit is subject to status. Exclusively available to 1st Account holders. Fixed monthly repayments between 1 and 7 years. Customers who do not meet our normal criteria may be offered a different APR to our representative rate. The rate you receive is dependent on your individual circumstances; credit checks and assessment of your financial circumstances.

  • The right person for the job


    Once you've decided how you're going to pay for your home improvements, you'll need to think about how the job's going to get done. Is it something you can realistically do yourself, or would it be better in the hands of a tradesperson?

    If you decide to hire someone, make sure to do your research first. Look for reviews online and don’t be afraid to request references. Ask for quotes, and shop around; by asking a few different tradespeople, you'll get a realistic idea of what the job should cost.

    Once you've decided how you're going to pay for your home improvements, you'll need to think about how the job's going to get done. Is it something you can realistically do yourself, or would it be better in the hands of a tradesperson?

    If you decide to hire someone, make sure to do your research first. Look for reviews online and don’t be afraid to request references. Ask for quotes, and shop around; by asking a few different tradespeople, you'll get a realistic idea of what the job should cost.