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 either online or over the phone.

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.

3.5%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*
  • Take up to two one-month  repayment holidays each year**
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* 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. Branch and online applications only
** Repayment holidays are subject to 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:

£136.41

Monthly repayment

£8,184.60

Total repayable

3.49%

Annual interest rate (fixed)

3.5%

Help Text

APR representative

Borrowers must be UK residents and aged 18 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 in branch. You must be 18 or over and a UK resident.

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.

 

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 6pm Monday to Friday, 8am to 2pm on Saturday. Closed Sundays) or by sending any notice to TSB Bank plc, PO BOX 373, Leeds, LS14 9GQ.

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

How to apply

 
To be eligible for our personal loan, you must:
  • be 18 or over
  • be a resident of the UK with no history of adverse credit
  • have had a TSB bank account for more than 3 months
  • make repayments by Direct Debit
  • be a permanent paid employee, self-employed or retired with a pension
  • Satisfy us that you can afford to pay back the loan

Thanks for choosing TSB for your Personal Loan. We will soon be moving on to a new state of the art IT system to allow us to bring you a better service in the future. This means we can’t accept or progress any new applications online until we complete these changes but you can apply in one of our branches.

You need to have held a TSB current account for more than 3 months.

Find a branch and apply for a loan in person.

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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