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Home Improvement Loans – Upgrade Your Space, Your Way

Flexible Home Improvement Loans to help with decorating, renovations and more.

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Home Improvement Loans to Make Your Space Work for You

Whether it’s a fresh coat of paint or a full kitchen remodel, our Home Improvement Loans can help you cover the cost of making changes to your home.

From redecorating a single room to taking on a bigger renovation, you can borrow towards the home improvements that matter to you.

Turn Big Ideas Into Beautiful Spaces

Big plans deserve the right support. Our Home Improvement Loans are designed to make transforming your home simple - with no hidden fees, no hassle, and flexible repayments that fit your budget.

Borrow up to £15,000

for everything from small updates to major renovations

Rates from 12.7% APR to 42.6% APR

on a decreasing balance—so interest reduces as you repay

No setup fees or early repayment charges

Quick decisions made by real people, not computers

Flexible repayment plans based on your personal circumstances

Free bereavement fund benefit included (subject to T&C’s)

providing added peace of mind for you and your loved ones

Already have a loan?

Top-up loans are available

Helping to make a difference, in your home

Please note: We cannot lend to anyone in an Individual Voluntary Arrangement (IVA), Debt Relief Order (DRO) or Bankruptcy, this will be checked on application.

Funding Projects Big or Small

Our loans support a wide range of home improvement projects, including:

  • Decorating and painting
  • Kitchen and bathroom renovations
  • Window or door replacements
  • Driveway and patio upgrades
  • Garden makeovers or landscaping
  • Essential maintenance or energy efficiency upgrades

We can’t do the digging or design—but we can help you pay for it, simply and affordably.

Flexible Loans, Designed for You

Find the affordable home improvement loan you’ve been searching for. Northern Community Bank offers competitive rates and repayments built with you in mind.

Loan Calculator

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FREE Bereavement Fund benefit on savings and loans*, so in the event of your untimely death your loan would be paid off and an additional payment from the fund could be added to your savings balance.

Click here for more details

* Subject to T&Cs

Loan decisions made by people not computers

Borrow with Built In Savings

With our loans, we ask you to save into a Long-term savings account while you’re paying back your loan. This amount is set aside and can’t be withdrawn until your loan is fully repaid – or your savings are more than what you still owe, in which case you can take out the extra.

You can also choose to save a bit more on top – maybe for Christmas, holidays or future home projects, but that part’s completely up to you.

Ready to Get Started?

Apply online in just a few minutes.. If you have any questions, we’re here to help.

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