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Home Improvement Loans

Revamp your space with a home improvement loan

Representative 3.9% APR

Taking out a home improvement loan

If you're looking to make your DIY plans a reality 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

In most cases, you could get your loan on the same day if you use Online Banking, apply and are unconditionally accepted before 5.45 pm Mon – Fri

Trying to make your home a little greener?

Find out how you could make your home more climate friendly with a home improvement loan of up to £7,450, and receive a £100 'thank you' from us. 


Terms and Conditions apply.

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?

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

Loan benefits and features

Benefits

Get a quote that won't affect your credit score

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

Same day funds

If you apply using Online Banking and are unconditionally accepted before 5.45pm Mon-Fri you can get your loan on the same day. Your loan funds will arrive after 6pm. Sometimes we need to contact you for more information, so it can take a little longer.

Repay your loan early

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

Features

Borrow between £1,000 - £50,000

Home improvement loans can be taken out over 2-10 years. Personal loans for other purposes can be taken out over 2-8 years. See our borrowing terms for details.

Loans for many uses

We offer personal loans of £1,000 - £50,000 but it’s up to you what you’d like to spend it on. These are some things you could use a loan for...

Mobile App

Manage your loan in the mobile app

Check your credit score

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. 

Let's get ready to apply

Before you apply, we need to check you're happy with a few things.

First, you can apply online if you:

  • are 18+ and a UK resident with a NatWest current account (held for 3+ months).
  • have not been declared bankrupt in the last 6 years
  • have not applied for a personal loan with us within the last 28 days

Now please read a few other important things:

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!

Just a heads up - you'll need your Online Banking login details at the next step.

Great, let's get started!

Just a heads up - you'll need your Online Banking login details at the next step.

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’ll need your online banking log in details at the next step.

Fantastic, you're all set!

Just a heads up – you’ll need your online banking log in details at the next step.

Something else we can help you with?