Home Improvements Loans

Apply for an Admiral Personal Loan today

Admiral Loans is a responsible lender who always aims to make the borrowing process stress free.

Representative APR 3.3%

This rate applies for loans from £7,500 to £15,000. The rate offered will depend on the amount you wish to borrow and your individual circumstances. 

Representative example: If you borrow £10,000 over 60 months at a Representative APR of 3.3% and an annual interest rate of 3.25% you would pay £180.80 monthly and the total amount you would repay would be £10,848.00.

What are the benefits of a home improvement loan?

Responsible lending

Admiral Loans is a responsible lender who always aims to ensure the loan is suitable to customer needs and the borrowing process is straight forward.


You can repay your loan in full or in part at any stage of the loan's lifetime. There are no application fees.

Borrow £1,000 - £25,000

Between 12 and 60 months. Approval of loans is subject to credit checks, your personal circumstances and our affordability criteria.

Fixed APR

Once your loan application has been approved, you'll receive a personally tailored APR, fixed for the duration of the loan.

What is a home improvement loan?

This type of loan, often referred to as an unsecured or personal loan, is a helpful option for people who want to finance big projects like house renovations.

These types of loans do not require the borrower to provide security – such as their home or car - against the loan. Instead, the loan provider will look at your credit history and rating to determine if you can afford to borrow the sum of money; it’s similar to the credit check you have when applying for a mortgage.

Home improvements

With escalating house prices in the UK, many people are turning to home improvements instead of buying a new property.

With the average house price in June 2016 coming in at £214,000 - an increase of 9.3% over the year, according to the Office of National Statistics – many people are finding it increasingly difficult to buy their first home or upgrade to something bigger.

House renovations such as converting attic space or adding an extension will not only give you the extra space you’re looking for, but can add value to your home if you want to sell it in the future.

Plan Ahead

Whatever plans you have in mind for your home, big projects come at a cost so you may be considering taking out a home improvement loan.

Paintpots and brushes from a loan for redecoration

Whether you feel your whole house needs a facelift, you want a new kitchen fitted or you’re thinking bigger and better with a garage conversion, renovations can be a great option for people who are:

  • Happy in their current location and property
  • Finding it difficult to sell their home
  • Wanting to add value to or improve their home
  • Not able to afford to buy a new house and the associated costs

It’s important to weigh up the costs of the improvements and how much value the work will add to your home. Make sure you research the property market, looking at similar homes in your area as well as trends in house prices.

Sites like Rightmove will tell you how much properties in your neighbourhood sold for and when.

It’s a good idea to get written quotes for the renovations from a number of tradesmen so you can compare prices; make sure you use a registered tradesman by checking sites like Trustatrader or FMB.

Once you're happy with a price, get the quote in writing and ask the trader to include start and completion dates and agreed payment terms. Make sure you ask for a quote, which includes materials and labour, rather than an estimate so you have a good idea of how much you need to borrow and won’t be surprised by any additional costs.

You can then use our loans calculator to work out the rate and your monthly repayments – simply enter how much you want to borrow and for how long to get an idea.

How do I apply for a loan?

Once you’ve decided how much you’d like to borrow you can either fill in your details in our online loan application or you can call our friendly team to start the process.

Your questions answered

As a basis for qualification, you must be a permanent resident of England, Wales or Scotland, having lived in the UK for at least 3 years, be between the ages of 18 and 75, and with no recent history of bad credit such as County Court Judgements (CCJs), IVA or bankruptcy. The rate offered will depend on the amount you wish to borrow and your individual circumstances. You can apply for any amount between £1,000 and £25,000 for a period between 12 and 60 months.

APR stands for annual percentage rate. This is the total charge for the loan including fees and interest expressed as a percentage. The APR you are offered may differ from the representative example displayed, this is because each loan application is assessed on an individual basis. The maximum APR we offer is 29.9%.

Admiral Loans are administered and arranged by Admiral Financial Services Limited. Admiral Financial Services Limited is registered in England and Wales at Tŷ  Admiral, David Street, Cardiff, CF10 2EH (Reg. No. 10255225). Admiral Financial Services Limited is authorised and regulated by the Financial Conduct Authority (Firm reference number: 771862). These details can be confirmed by visiting the Financial Services Register, www.fca.org.uk/register.

Admiral Financial Services Limited is a registered data controller (No. ZA257412). The data controller is Admiral Financial Services Limited. You acknowledge that by providing your personal data to us, you consent to its processing in the manners outlined in our Privacy Policy. Click here to read.

Please see our terms and conditions here.

When you submit an application for a loan, we will conduct an application credit search which may affect your credit score, so you may wish to keep applications to a minimum to protect your credit rating.

If you have any queries about the manner in which your data is processed, please write to: Data Protection Officer, Admiral Financial Services Limited, Tŷ Admiral, David Street, Cardiff CF10 2EH.