LOANS FOR HOME IMPROVEMENT

Looking to upgrade your kitchen, beautify your bedrooms, or convert your loft? Whatever plans you have a home improvement loan could help to make it happen.

If you have a Halifax current account, it only takes about 1 minute to get a personalised quote in Online Banking, without impacting your credit rating. You‘re able to apply for a Personal Loan even if you don't bank with us.

3.5% APR representative for loans of £7,500 to £25,000 over 1 to 5 years

Here are a few things to think about before you start ripping those floorboards up

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Plan ahead

Firstly, plan what home improvements need to be done and how long it will take. Get your project plan together, with a start and end date, check contractor availability, hunt around for competitive quotes and take seasonal influences into consideration.

Work out the cost

Once you have a home improvement plan, you can work out the total cost of the project. Make sure you look at all the costs, and have a back-up plan in case of unexpected expenses or changes. Don’t forget to consider recurring costs for your project.

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Does it fit your budget?

Once you know how much you need to borrow, try using our handy Loan Calculator to find out what your monthly repayments could be. If you have a Halifax current account, you can get a personalised quote in just 1 minute through Online Banking.

Revamp your home with a Personal Loan

With Halifax, it’s easy to apply for a Personal Loan. The decision whether to offer you a loan for home improvement, the amount we’ll lend you and the interest rate will all be based on an assessment of your individual circumstances. Check out how it works for existing and new customers:


I have a Halifax Current Account

  • You can apply for between £1,000 and £50,000
  • Choose to make your monthly repayments over 1 to 7 years
  • Get your quote with no credit searches
  • It takes about 1 minute to get your personalised quote in Online Banking
  • If you’re approved, you could have the money in your Halifax current account in minutes. 

It's quick and easy to get one step closer to revamping your home. Tap ‘Apply Now’ to log-in and apply through the loans calculator.

Apply Now

Alternatively you can call us on 0345 604 7292 (Lines open 8am–10pm, 7 days a week) or visit your local branch


I don’t have a Halifax Current Account

  • You can apply for between £1,000 and £25,000
  • Choose to make your monthly repayments over 1 to 7 years.
  • It takes about 10 minutes to apply online and get a decision.
  • If you’re approved, you should have the money in your chosen account within 5 working days. 

Apply today to get one step closer to revamping your home. Tap ‘Apply Now’ to apply online.

Apply Now

If you already have a Halifax credit card, mortgage or existing loan, you can also apply by calling us on 0330 123 0678 (Lines open 8am–10pm, 7 days a week).


Lending and rate are subject to status. Available to UK residents aged 18+.

Loans are provided by Halifax. Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ.