Using a home improvement loan to fund your home improvement project


Starting a new home improvement can be an exciting project that gets everyone involved and can occupy your time well whilst doing something that will positively impact your home.

But like all things, having the available money for the home improvement project can drastically impact how far your home improvement vision takes you.

Among the few funding options, you may be thinking of to kick your home improvement project into action, a home improvement loan should stand out as an affordable and reliable option to get the money you need. Read our guide on funding your home improvement project with a home improvement loan to find out all you need to know.

 Written by Harvey Perry
JN Bank UK Digital Marketing Executive

What is your home improvement project?

First things first, before taking a hammer to your walls, or picking out the tiles that are going in the bathroom; you need to think about what your home improvement project will include, and how much it is going to cost you. Luckily for you, a home improvement loan can be used in a variety of ways, so that you can get the money you need for your project and pay it back in regular repayments. Let’s look at some home improvement projects so you can figure out which one needs your attention first:

Room upgrades and renovations – In almost everyone every household, the kitchen is a space where everyone spends a lot of time – either cooking or cleaning it. As a result, it almost means it’s an area of the house that requires a lot of time to make it look nice and invite people in. If you’re a homeowner who likes entertaining friends and family, having an appealing kitchen space is critical to those entertaining evenings. In a similar way, the bathroom holds the same significance as you want guests to be able to relax while they are in your company, and it’s important to have a space where you can get ready for the day ahead or unwind at the end of one. Making some upgrades to your bathroom can improve the overall appeal of your home. For households that work from home, or families that are growing; you may be looking at your loft as a potential area to add an additional room to your home. A loft conversion project could upgrade your loft from the storage area you keep the Christmas tree in, to a secluded office area or a new bedroom.

Décor improvements – Give your home a new lease of life with a burst of vibrant colours, and eye-catching accents, and inject new life into your living spaces. Adding some décor improvements to your home can completely enhance the atmosphere of not only a single room but the entire mood of your home. You could introduce some eye-catching art in the hallway or upgrade your bedrooms with an entirely new bed and storage area. You can’t expect yourself to like the style of your house from the day you signed your mortgage to the day your move out and sell it, so give your home a facelift to something that’s more your style and transform your living space.

Garden and exterior – Your garden can be a space that relaxes you, or it can be a place that looks like an untouched jungle. Incorporate some comfortable seating areas into your garden so your friends and family can visit and make the most of that British summertime before it goes away. You could introduce some new plant bedding and give those green fingers something to do. Adding nature features such as a bird bath to attract some birds will connect you with nature in a way that looking at birds on the TV or in books just won’t do it.

It’s important to take the time to evaluate which areas of your home, interior or exterior, require your attention first and make a list of the home improvements you want to make. You can also do some extra research by looking into how much your projects are going to cost, in tools, materials, and labour if you are hiring a company, or paying some of your friends to help you out. Once you have the numbers mapped out, you can now start looking into available options to fund your home improvement project.

Finding home improvement loan options

An accessible way to get the money you need to fund your home improvement plan is to apply for a home improvement loan. These are loans specifically to give people the extra money then they need in order to get the money upfront to kickstart their plans, and then make regular repayments until the loan is fully paid back.

At JN Bank UK, we offer unsecured personal loans for homeowners at affordable rates, and if accepted for a loan, you can get your money within five working days.

Three steps to a JN Bank UK unsecured personal home improvement loan for homeowners

Step 1

Get a quote that is specific to you, and find out if you will be accepted with no impact on your credit score

Step 2

Sometimes, you may need you to upload documents such as payslips and bank statements

Step 3

Digitally sign your agreement and receive your money within 5 working days

Two people enjoying a break renovating

Apply for a JN Bank UK unsecured personal loan today to fund your home improvement project

Why choose JN Bank UK for your unsecured personal home improvement loan?

With JN Bank UK, you can get your quote for a loan without any impact on your credit score. With our easy online application, you can apply for a loan, and find out the rate you could be offered before accepting. If you’re approved for a loan and you accept it, the money will be in your account within five working days. So you can get on with your home improvement plans.

Want a loan, but not for home improvement?

Our unsecured personal loans for homeowners can be used for more than just home improvement plans! You can apply for a loan with us to upgrade your old car to something new for yourself, or to get more room for your growing family. You can get a loan for that dream holiday you’ve been planning, or make that special day even more special with your fiancé.

Applying for a JN Bank UK Unsecured Personal Loan

For more information on JN Bank UK unsecured personal loans for homeowners, visit our Borrowing page using the ‘FIND OUT MORE’ button below.

To be eligible for an unsecured personal loan with JN Bank UK, you must:

  • Be a homeowner with or without a mortgage
  • Not have an existing JN Bank UK loan
  • Be over the age of 21
  • Have been a UK resident for more than 3 years
  • Have no active or pending CCJs, bankruptcies or IVAs
  • Be employed, self-employed, or retired with a minimum monthly income of £1,000 after tax
  • Have a UK mobile phone number and a valid email address
  • Have a UK bank account with a direct debit facility

Learn about JN Bank UK unsecured personal loans today!