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FAQs
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If you’re planning an extension, a loft conversion or a new kitchen, a home improvement loan from Shawbrook could be just what you need to get building.
With the option to borrow from £1,000 to £35,000 over one to seven years, a Shawbrook loan can give you the flexibility to fund your next project — big or small.
A personal loan can give you access to cash without releasing equity on your home. And as our rates are personalised, a loan from us may be better value than one from a high-street bank.
Want to know more about home improvement loans? Jump to our FAQs.
When you apply for a quote, we’ll give you a guaranteed rate upfront — helping you decide what’s right for you from the start. And because we use a soft credit search, getting a quote won't impact your credit score.
At Shawbrook, we look at every customer individually. But we do have some criteria which you’ll have to meet before we can consider your application. You must:
To receive a quote for a home improvement loan, you’ll need to meet our eligibility criteria and provide the following information:
If your application is successful, we’ll also ask for your bank account details.
For a full breakdown of everything required, visit our guide on:
What you need to know when applying for a home improvement loan
The rate you are offered for a home improvement loan will depend on your individual circumstances.
The interest rate offered will vary depending on our assessment of your financial circumstances and the amount you wish to borrow. That’s why you won’t find a loan calculator on our website. To find out more about this and our commitment to transparency, visit our guide on: Why Shawbrook doesn’t use loan calculators.
Representative Example: for comparison purposes, 13.9% APR Representative based on a loan of £10,000 repayable over 60 months with an interest rate of 13.9% p.a. (fixed). Monthly payment of £227.97 total amount repayable £13,678.20.
We offer loans from £1,000 to £35,000 with loan terms from one to seven years. The maximum APR rate you could be offered is 29.9%.
Our approach is based on good sense, honesty and clarity.
Shawbrook is proud to be a different kind of bank. Since 2011, we’ve quietly built our business by providing a select range of products for people who don’t always get the best deal from the big high-street banks.
We’re standing by 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 |
A home improvement loan is an unsecured personal loan taken out with the specific purpose of covering all or part of the cost of home improvements.
With an unsecured personal loan, you don’t need to be a homeowner as the amount borrowed isn't secured against your assets, such as your home or car.
Shawbrook home improvement loans are built to fit your needs. You can borrow between £1,000 and £35,000 and agree to pay this back over a set period (one to seven years) with fixed monthly repayments.
It’s up to the borrower to decide what home improvement expenses they choose to cover with their loan.
For more information, visit our guide to home improvement loans.
Whether a home improvement loan is the best way to pay will depend on your circumstances and the amount you want to borrow.
At Shawbrook, when you apply for a quote, we’ll offer you a guaranteed personalised rate. So you can understand how much you'll pay back before you agree to take out a loan.
If you’re yet to decide on your home improvement and unsure whether a loan is right for you, visit our guides for more information and inspiration on projects to suit your budget:
It’s important to consider all borrowing options before you decide if a loan is right for you.
All our home improvement loans are unsecured which means the amount borrowed isn't secured against your assets, such as your home or car – that’s important if you’re looking to sell.
If you are considering taking out a home improvement loan to cover the costs of a renovation before a sale, visit our guide on: Home improvements that add value to your home
