Taking out a home improvement loan
If you're looking to spruce things up with some DIY or making your home more energy efficient, our home improvement loan could help
You'll get a personalised quote at the start of your application before deciding if you want to complete your application
You could get your loan funds on the same day if you apply online, are unconditionally accepted and sign your loan documents before 5.45pm Mon-Fri. Sometimes we need to contact you for more information, so it can take a little longer.
Planning greener home improvements?
From insulation to solar panels, our guides show how you could reduce your energy usage and make your home more sustainable too.
To apply online, you must be 18+ and a UK resident with a Royal Bank of Scotland current account (held for 3+ months).
Home Improvement loan calculator
Representative Example
£7,500
0 months
£137.55
£8,253.00
3.9
% APR
3.9
% p.a
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.
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.
A handy explanation of APR
Find a little flexibility with our repayment holiday
When you apply for a loan, based on your circumstances, we might give you the opportunity 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 to you, we'll show the details of your repayment holiday during the quote stage of your application