Home Improvements

Home Improvement Loans

When it comes to working on your home, it’s important to have a plan in place. And that includes getting your finances in order.

So whether you’re extending, converting, repairing or refreshing, our home improvement loan can help make your vision a reality.

We’ve made it quick and easy to get a personalised quote and you don’t need to be a TSB customer to apply.

2.9%APR representative for loans between £7,500 to £25,000 for 1-5 years.

  • A personalised quote in minutes. And a decision in under 30 seconds
  • Our personalised quote won’t affect your credit rating, and you’ll get the rate you’re quoted
  • You can get the money in your account today. Or the next day, if you don't have a current account with us.*
  • Take up to two one-month  repayment holidays each year**
* The money will be in your account the same day if you have held a TSB current account for more than 3 months and your application is approved before 8pm. Next day payment applies to all other customers approved before 8pm Sunday to Friday (excluding bank holidays). Branch and online applications only.
** Repayment holidays are subject approval. If you do decide to take a repayment holiday, the length of your loan will increase and you’ll pay more interest.


Loan Calculator

Representative Example:

I need to borrow:

£ 1,000 £ 25,000
You can only borrow between £ 1,000 - £ 25,000

And pay it back over:


Monthly repayment


Total repayable


Annual interest rate (fixed)


Help Text

APR representative

Britain’s best loan – based on TSB research and rated 5 Star by Defaqto, 2 January 2018. 

Borrowers must be UK residents and aged 18 or over, or if you apply online and have not held a TSB current account for more than 3 months, you need to be aged 21 or over. Lending is subject to status and actual rate offered will depend on our assessment of your personal circumstances.

The maximum APR we might offer is 30.0%, but we will tell you your personalised rate before you apply.

Personal loan FAQs

If you've held a TSB current account for more than 3 months
You can apply online, in branch and by phone on 0800 111 4170 . You must be 18 or over and a UK resident (over 21 to apply online if you do not hold a TSB current account)

If you're not a TSB customer/have not held a TSB current account for more than 3 months 
You can apply online, in branch and by phone on 0345 835 3861. You must be 18 or over and a UK resident (over 21 to apply online)

The amount that you can borrow with a personal loan will depend upon your personal circumstances, however we provide unsecured loans from £1,000 up to £25,000 for a term of between 1 and 7 years.


If you take out a loan with us through Internet Banking you have 14 days to withdraw from the agreement.

This right to withdraw will start on the day after you sign your loan agreement. If you do wish to withdraw from your loan during this time you must repay, no later than 30 calendar days after giving notice of withdrawal, the total loan amount (this is the amount we paid into your account) and the daily interest that we charge, both can be found on the Loan Agreement).

You can withdraw by calling us on 0800 111 4166 (8am to 8pm Monday to Friday, 8am to 2pm on Saturday. Closed Sundays) or by sending any notice to TSB Personal Loans Service Centre, P.O. Box 42, Peterlee, SR8 2YQ.

If you want to talk to us about withdrawing from your loan more than 14 days after you've signed your loan agreement, please call us on 0800 111 4166 or visit your local branch .

We pride ourselves on being a responsible lender so if you're struggling to make your monthly repayments we have a range of options that may be able to help you. Call us and we'll happily talk through the options.

  • You can repay your loan early at any time in full or part
  • We may charge you up to 58 days interest on any full settlement you make
  • If you make any additional payments we will use these to partially settle your loan. This means that you will continue to make your normal monthly payments, but the number of your repayments and the amount of your final repayment may change
  • We will charge a £25 fee each time your account is transferred to our Collections department, for example when you miss a monthly payment
  • We will charge this fee to any current account you hold with us. If we are unable to do this, or if you do not have a current account with us, we will add it to your loan

Get a quote and apply

(Even if you're not a TSB customer)

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Other ways to apply

By phone

0345 835 3861

Lines are open Monday to Friday 8am-6pm (8am-8pm for TSB current account customers) and Saturday 9am-2pm. Closed Sundays.

In branch

Borrow Well

If you are looking to borrow some money, read our guide on borrowing sensibly.

Read the guide

Our 5 star rated loans

Unsecured Personal Loan Our TSB Personal Loans have been given a 5 star rating by independent financial research and software company Defaqto. Learn more about Defaqto Star Ratings.



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