Home Improvement Loans - home loan calculator - Ulster Bank

Couple in a home furniture shop

Home Improvement Loans

Make your house a home

Apply online Get a quote

Our rates depend on your loan amount and may differ from the rates shown. Available to over 18s and existing Ulster Bank current account customers resident in the Republic of Ireland only. Subject to approval. Lending criteria, terms and conditions apply.

Representative Example€10,000 over 5 years at 8.17% fixed, 8.5% Annual Percentage Rate, with 60 monthly repayments of €203.64.
Total amount repayable €12,218.40. 

From a house to a home, bring your plans to life with our home improvement loans

Fancy a new kitchen or dreaming of that extra space a conservatory might give you? Our range of loan options allow you to choose an amount and term to suit your budget.


Features and benefits of our home improvement loans:


Man painting the outside of a house

No hidden costs or upfront fees
There is no cost to set up your loan and no hidden fees throughout the term. Charges for other services may apply

A sofa being moved into a room

A range of terms and amounts
Borrow between €2,500 and €40,000. Home Improvement loans can be repaid over a period of up to 10 years. The minimum loan term is 1 year

A man laying a floor in a kitchen

Borrow for all kinds of projects
Can be used for a range of purposes - perhaps you want to add an extension to your home, a loft conversion or a new kitchen


An Ulster Bank feeder account is required to open and service a personal loan.

Useful guides

Woman using a laptop A guide to loans

Lots of lenders offer loans. Our guide will help you understand the basics.

Man using a laptop Loans jargon buster

Let us take the mystery out of loans with our jargon buster.

Woman using a laptop Loans common questions

The most common questions about our loans.

Helpful information Move or improve?

Improving your home can be a great option if:

You're happy with your current location

You want to avoid the hassle and cost of moving home (solicitor fees, removal etc.)

You're finding it difficult to sell your current home

If your aim is to add value, improvements that add space add most value e.g. extensions and conservatories

Man and woman relaxing on a sofa
Home Improvement Loans Ready to apply?
Apply online
Set Tab for lightbox