The JN Bank Home Improvement Loan - at a glance

Often, the hardest thing about home improvements isn't where to start - it's the waiting to get started.

You could use a JN Bank Personal Loan to tackle big or small renovation projects.

Having your finance in place before you start means you’ll know exactly what you have to work with and that makes budgeting much easier.

Ready to start testing paint swatches? Consider a JN Bank Personal Loan to get your home improvement dreams rolling.

  • Pre-application eligibility check – no record on your credit history
  • Borrow from £1,000 to £15,000, over 1 to 5 years with rates from 9.9% APRⱡⱡ - 24.9% APRⱡⱡ
  • Representative 12.9% APR (see example below)
  • No set up fees, make lump sum or early repayments with no penalties
You can apply for a JN Bank Personal Loan if you:
• Are over the age of 21
• Have been a UK resident for more than 2 years
• Have no active CCJs, bankruptcies or IVA's 
• Are employed or self-employed with a minimum monthly income £1,000 after tax
• Have a UK mobile phone number and an email address
• Have a UK bank account with a direct debit facility.

Please note: the loan must be opened in sole name only.
ⱡⱡ Interest rates are correct at the time of publication but may change in the future and are subject to individual credit check.

We’re not property experts, so please seek your own specialist advice, but here are 5 of our tips for getting the most out of your home improvement budget.

If you’ve ever watched a home improvement TV show, then you know that it can be quite easy to exceed a budget when you’re renovating a home. Accidents happen, the scope of improvements get bigger or things just end up costing much more than anticipated. If you’ve decided to renovate your house into a home, then you may want to consider these tips to help you get the most out of your budget and avoid any nasty surprises. 

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Failure to plan can mean planning to fail, so break out the lists and start designing your home improvement.

The unexpected can happen…. workers may not show up, the weather may interrupt, or problems may be uncovered once the work starts. Avoid regret and ensure you overestimate your expenses and allow for contingency in your budget. Revisit your budget and expenses often and continuously make adjustments to keep on track and don’t forget to allocate funds for incidentals, such as paint brushes, cleaning supplies and buckets.

You may be able to save some money in labour costs if you’re willing to get your hands a little dirty. Clearing out old rubbish, sanding back surfaces, patching up plaster and ripping up carpet are just a few examples of pre-work that can be done before your professional trades arrive.

It can be tempting to try and complete work yourself, especially if it seems simple, but playing around with electrics and plumbing could end up costing you thousands if done incorrectly. Uncertified works may also get you into trouble with your local council or home insurer, so protect yourself and your home by enlisting the expertise of a professional to complete specialist tasks.

It’s also a good idea to engage your tradespeople early in your planning process to ensure your ideas and designs are feasible and within your budget.

There are lots of savings to be made with a little bit of creative thinking and quite often, a small change can make a huge impact. Perhaps you can attend a DIY workshop or search online for DIY tutorials that you can try out at home.

Some ideas could be:

Repaint existing kitchen cupboards, replace cupboard and wardrobe handles, paint tiles instead of replacing them, repaint the walls.

Sales can be a great way to get new fixtures, fittings and furniture. Make a comprehensive list of all the things you will need during your revamp and keep an eye out for clearance sales and end of season discounts.

Online marketplaces, second-hand stores and public auctions can also be great places to track down a bargain.

Select an amount to borrow between £1,000 and £15,000
£1000 £15000
Select a repayment period that has affordable monthly repayments
1 year 5 years
Illustrative APR
Monthly repayments
Total cost of credit

Representative example

Representative 12.9% APR | Loan amount £9,500 | Interest rate 12.9% (fixed) p.a | Term 60 months | Monthly repayments £212.25
| Total amount repayable £12,735.00

JN Bank treat all our customers and their applications on an individual basis. The calculator above is for illustrative purposes only, and the results are based on the representative APR for the amount you enter. JN Bank Personal Loans are available over terms of 1 to 5 years and for amounts of £1,000 to £15,000. We will do a credit assessment when you apply and your actual rates and repayments may differ from your original request, and will be based on your personal circumstances, the loan amount and term. The maximum APR we would offer you on any loan amount is 24.9%. Credit is available subject to status. We reserve the right to refuse any loan application.
JN Bank Personal Loan
Apply now to take advantage of our personal loan.