Home Improvement Loans - home loan calculator - Ulster Bank

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Home Improvement Loans

Make your house a home

Apply online Get a Quote

Our lowest ever Representative 3.9% APR  for loans of £7,500 to £25,000.

Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR. Over 18s and existing Ulster Bank current account customers only.

From a house to a home, bring your plans to life with our home improvement loans

Fancy a new kitchen or dreaming of that extra space a conservatory might give you? Our range of loan options allow you to choose an amount and term to suit your budget.


Features and benefits of our home improvement loans:


Man painting the outside of a house

No hidden costs or upfront fees
There is no cost to set up your loan and no hidden fees throughout the term. Charges for other services may apply

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A range of terms and amounts
Loans between £1,000 - £2,500 can be repaid over a period of up to 5 years. Loans over £2,500 can be repaid over a period of up to 10 years. The minimum loan term is 1 year

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Borrow for all kinds of projects
Can be used for a range of purposes - perhaps you want to add an extension to your home, a loft conversion or a new kitchen

Try our loan calculator to work out the best loan for you


The rates you pay depends on your circumstances and loan amount and may differ from the Representative APR.

Looking for a loan between £25,000 and £35,000?

You can apply to borrow between £1,000 and £25,000 online, however, if you are looking for a larger loan, please visit us in branch or call us.

Personalised Quick Quote Find out if you're likely to be accepted for a loan

Just give us a few details and we will see if we can help.

Find out if you're likely to be approved

Find out how much you may be able to borrow

View your personalised interest rate and monthly payments

No impact on your credit rating

Personalised Quick Quote
Helpful information Move or improve?

Improving your home can be a great option if:

You're happy with your current location

You want to avoid the hassle and cost of moving home (solicitor fees, removal etc.)

You're finding it difficult to sell your current home

If your aim is to add value, improvements that add space add most value e.g. extensions and conservatories

Man and woman relaxing on a sofa
Home Improvement Loans Ready to apply?
Apply online
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