Great News, we have reduced our rate.
We've lowered our rate to 3.1% APR representative for loans between £7,000 and £15,000.
Please note this rate is available until 9 November 2021.
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
APR (annual percentage rate) varies according to the size of the loan. The amount you want to borrow might be close to one of the points where the APR changes. 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.
3.1% 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.
Apply for a home improvement loan
Please ensure you read the important information in the 'Things you should know' section before applying.
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.