Home Improvement Loans

    • Improve, renovate or extend your home with a loan of up to £50,000
    • Get a decision in minutes with our simple online application
    • Spread the cost for up to seven years
    • Receive a quote with a guaranteed rate without affecting your credit score

Check your eligibility

All loans are subject to status. Terms and conditions apply

Father And Daughter Painting

Why choose us for a home improvement loan?

A personal loan can help you make changes to your home from an extension or loft conversion to a new kitchen. We offer home improvement loans from £1,000 to £50,000 with terms from over one to seven years. When you apply for a quote, we’ll provide a guaranteed rate from the outset so you’ll know exactly how much you’ll be paying back and when. Simply apply online for a personalised quote, and we give you a decision in minutes — with no impact on your credit rating.

We’re also proud to be award-winning. We’ve been voted FRA’s Best Unsecured Lender and Moneynet’s Best Personal Loans Provider.

Who can apply?

We know everyone is different. That’s why we look at every customer individually. But we do have some criteria you’ll need to meet before we can consider your application. You must:

      • Be aged 21 to 75
      • Have been a UK resident for at least three years
      • Have an annual income of at least £15,000
      • Have a personal bank account in the UK
      • Have a good credit history with no outstanding County Court Judgements (CCJ)

Get my personalised quote

See what our customers have to say 




Apply online for a home improvement loan

We believe in being fair and transparent.

When you apply for a loan quote with us, we run a soft credit check that doesn’t impact your credit score. You’ll get an upfront, guaranteed rate if you’re eligible. That way, you can decide if our home improvement loan is right for you before applying.

If you’re eligible and accept our rate, you’ll need to provide us with your bank details and sign your documents online. Once we’ve approved your loan and signed the agreement, we’ll send you your funds within three working days — ready for you to get started with your renovations.

Apply for a personalised quote

What do I need to apply?

To receive a quote, you’ll need to meet our eligibility criteria and provide us with the following information:

  1. Residential addresses for the last three years
  2. Contact details, including an email address
  3. Your current employment information


Representative Example

The rate we offer you will depend on your circumstances.

Representative Example: for comparison purposes, 16.9% APR Representative based on a loan of £10,000 repayable over 60 months (five years) with an interest rate of 16.9% p.a. (fixed). Monthly payment of £241.68 total amount repayable £14,500.74.

All personal loans are subject to status. The interest rate offered will vary depending on our assessment of your financial circumstances and your chosen loan amount. That's why you won't find a loan calculator on our website. To find out more about this as well as our commitment to transparency, visit our guide on Why Shawbrook Bank doesn't use loan calculators.

We offer loans from £1,000 to £50,000 with loan terms from one to seven years. The maximum APR rate you could be offered is 34.9%.

Mother And Daughter Having Fun Painting

About Shawbrook

Personal loans without the confusion.

We’re proud to be a different kind of bank. We’re committed to being fair and transparent with everyone that applies for a personal loan, so this is our promise:

  • Honest: What you see is what you get.
  • Open: We want you to get the rate that’s right for you.
  • Fair: Get a rate that’s based on your individual circumstances.
  • Upfront: If it’s not good for you, it’s not good for us
  • Clear: We won’t waffle.

View our Transparency Charter


Need help?

We’re here to help with your application.

Call us on 0345 600 6260

Opening Hours (Exc. Bank Holidays)
Mon - Fri 9am - 7pm
Sat 10am - 2pm
Sun Closed

About Our Home Improvement Loans

If you have any questions about our home improvement loans, please visit our help centre.

A home improvement loan is an unsecured personal loan taken out to cover all or part of the cost of renovations.

It’s up to you to decide what expenses you choose to cover with the loan.

So, if you’re planning an extension, a loft conversion or a new kitchen, borrowing money could help you to get building.

The best way to fund home improvements depends on your circumstances and the amount you need to borrow.

It’s important to assess the different finance options available to you as it may be more suitable for you to pay for your renovations with another option, such as:

  • Savings
  • Remortgaging
  • Second charge mortgage (secured loan)
  • Unsecured Personal Loan

Each option has pros and cons which can be different for every individual. We offer unsecured personal loans. Read our Ultimate Guide to Financing a Home Improvement for more information on available options.

It’s important to consider all payment and borrowing options available to you before you choose.

We offer personalised quotes so that you can decide whether it’s right for you.

Of course — you have the right to pay a personal loan back early or make an additional monthly repayment under the Consumer Credit Act. But it’s important to know that this may be subject to an early repayment charge.

To discuss your options with a member of our team, please contact us. If you have taken out a loan with us on or after 13th December 2021, you can also log in to your customer portal to contact us: https://myloan.shawbrook.co.uk/.

Alternatively, you can find out more by reading our guide on paying off a loan early.


You may have to pay an early repayment charge if you repay your loan before it’s due. This is a fee you may be charged if you pay back some or all the money you borrowed earlier than planned.

For more information, visit our guide to paying off a loan early.

Don't just take our word for it

Thanks to our consistency and customer focus, we have won awards for best unsecured lender and been awarded an excellent rating on Trustpilot.

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