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Home Improvement Loans

Revamp your space with a NatWest loan

Representative 3.4% APR

Taking out a home improvement loan

Get a decision in minutes when you apply online or via our app*

You'll get a personalised rate depending on your circumstances and how much you want to borrow

You have the flexibility to repay your loan early. Repayment charges apply**

You could get your funds the next working day if you use online banking, apply and are unconditionally accepted before 5.55pm Monday - Thursday

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

Is the loan for home improvements?

How much would you like to borrow?

Home improvement loans of £7,500 or more are available over an extended term of up to 10 years.
Borrowing amounts of £7,500 or more are available over an extended term of up to 8 years.

How long would you like to repay?

Representative Example

Borrowing

£7,500

Over

1 year and & 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)

Confused about APR?

What happens next?

Get started

Scroll down to 'Let's get ready to apply' or use our quick quote tool to see how likely you are to be accepted before applying.

Have a decision in minutes

In most cases you'll find out if you've been accepted in minutes.

Money in your account

You will receive your funds the next working day if you use Online Banking, apply and are unconditionally accepted before 5.55pm Mon-Thur.

Check if you're likely to be approved

Before you get started our quick quote tool will show you how much you may be able to borrow, your personalised interest rate and monthly payments. 

Great news, there's no impact on your credit rating!

Don't guess, let us help

There are lots of different types of borrowing and depending on your needs, a credit card or overdraft could be a better option than a loan.

You can use our Borrowing Options tool to help you figure out what type of lending will suit you best. 

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 either a NatWest current account (held for 3+ months), credit card or mortgage (held for 6+ 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 and giving you more time to put your feet up.
Do you have a NatWest current account?
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, log in to get started!

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

Fantastic, let's get started!

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.

Do you have a NatWest current account?
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.

Fantastic, you're all set!

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