Home Improvement Loans | Apply Online | Ulster Bank

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Home improvement loans

Make your house a home

Use our loan calculator

Borrow between £7,500 and £19,950 at our rate of 

Representative 3.9% APR

Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR. Available to existing Ulster Bank current account customers over  the age of 18 who reside in the UK.

Give your house a makeover with an Ulster Bank home improvement loan

Borrow between £1k and £35k
£1,000 - £7,499 can be repaid over over 2-5 years, loans over £7,500 can be repaid over 2 to 10 years. The minimum loan term is 2 years.

Borrow for a range of purposes
Can be used for various projects such as a loft conversion, a new conservatory, replacement windows/doors, extension to property, central heating system, new kitchen or new bathroom.

Funds next working day
If you use Anytime Internet Banking, apply before 5.55pm Mon-Thur and have your loan unconditionally accepted. Sometimes we'll need to contact you for more information so it takes a little longer.

Common questions

How much could I apply to borrow?

You can apply to borrow between £1,000 and £35,000.

If you're applying for a sole loan only you could borrow between £1,000 and £50,000. You'll get full details on this higher limit during your application when getting a quote. 

Information

Over what term can I take my loan?

  • Loans between £1,000 and £7,499 can be repaid over a term of 2 to 5 years
  • Loans between £7,500 and £35,000 can be repaid over a term of 2 to 8 years
  • Home improvement loans over £7,500 can be repaid over a term of 2 to 10 years
  • The minimum borrowing term is 2 years

If I apply online, how soon will I receive my loan funds?

Already bank with us online?
We may be able to give you an instant decision on your loan application. In this case (and subject to our final checks) your funds will be available the next working day.

 

Not registered for our Anytime Internet Banking service?
We will send you an application pack within 3-7 days of completing the online application. Once you have completed and returned this pack to us, your loan funds will normally be available within 48 hours, provided your meet all of our credit requirements.

What happens if I've been impacted by coronavirus?

If you're concerned about being unable to make your repayments on your Ulster Bank loan, we have lots of guidance and support to help you.

Visit the coronavirus support hub

Ready to apply?
Apply online
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