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Home Improvement Loan

Put your ideas into action

There’s always something that needs doing around the house. Whether you’re planning a new kitchen, some new furniture or thinking about a loft conversion, a home improvement loan could help you get the most out of your property sooner rather than later.

Calculate your monthly loan repayments

Use the sliders to adjust how much you’d like to borrow and over how many months.


See full details of our Personal Loan interest rates (PDF, 29KB).

Why get a home improvement loan with us?

  • Quick access to funds
    Existing HSBC current account customers could receive the money instantly once the application has been approved and the loan agreement has been signed. Non-HSBC current account customers could receive the money into a nominated account 3 working days after the signed loan agreement is received.
  • Make overpayments free of charge
    Make overpayments, or settle in full, at any time without penalty. This may reduce the amount of interest you pay and there won’t be hidden extras or nasty surprises.
  • Borrow from £1,000 to £25,000
    Spread your repayments over 1 to 5 years for loans of £15,000 or less, or up to 8 years for loans over £15,000.

3.3% APR* representative

For loans between £7,000 and £15,000. Now also available to non-HSBC current account customers.

*The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.

The APR rates may vary based on amount borrowed. Please use the calculator or the loans interest rate table (PDF,57KB)  for more details.

Did you know?

You might be able to reduce your monthly repayments by slightly adjusting the amount you borrow.

That’s because the APR (annual percentage rate) varies according to the size of the loan. Have a look to see if the amount you want to borrow is close to one of the points where the APR changes.

For example, loans of between £3,000 and £4,999 have an APR of 18.9% but for loans of between £5,000 and £6,999, it’s 6.1%.

That means a loan of £4,900 over 60 months costs £7,375.87 at an APR of 18.9% - whereas a loan of £5,000 over 60 months costs £5,790.89 at an APR of 6.1%.

By borrowing an extra £100, the monthly repayments are reduced by £26.42 per month and the total repayable goes down by £1,584.98.

Apply for a home improvement loan

Please ensure you read the important information in the 'Things you should know' section before applying.

HSBC customers

Please log on to your account for the quickest and easiest way to apply.

New to HSBC

Get a Personalised Loan Quote to see the interest rate you may be offered.

Apply in the mobile app

If you're registered for mobile banking, have downloaded the app and have an HSBC current account, you can apply within the app in just a few clicks.

Keep an eye on what matters to you

Exclusive Home Insurance offer for HSBC customers

Get your choice of either a video doorbell or a pack of 4 Wi-Fi Smart LED lightbulbs – plus 15% off when you buy online. Offer available to existing HSBC customers applying for a new home insurance policy. 

And if you have a mortgage with HSBC, you’ll also get an internal security camera.

HSBC Home Insurance is provided by Aviva Insurance Limited.

Choice of gift T&Cs | 15% off T&Cs | Camera T&Cs

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