Home Improvement Loans & Financing

At a glance
Key facts

Make your house a home with a loan from Hitachi Personal Finance

Often, the initial outlay for home improvements can be large but a home improvement loan from Hitachi Personal Finance can provide a useful solution. Once renovations are complete, you could be rewarded for years to come. Not only will it provide years of happiness, home improvements can also boost the value of your property.

A Hitachi loan based on borrowing £7,500 Amount over 5 years*
Representative Rate of interest Monthly repayment Total credit charge Total repayment
3.5% APR 3.5% (fixed) £136.25 £675.00 £8,175.00

Loft Conversion Loans

Increase your living space with a bright dormer loft conversion, perfect for guest rooms and hobbies.

Loft Conversion Loans
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Conservatories & Extension Loans

Enjoy your garden year round, or extend your living space with an orangery or conservatory loan.

Conservatory and Extension Loans
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Our Price Promise

The majority of our customers receive the advertised rate. However, if you complete an application directly via the Hitachi Personal Finance website and are given a higher APR, we guarantee that you'll never pay more than £230.04 per month with our maximum 30.9% APR Representative when you borrow £7,500 over 5 years*.

And remember - if you apply for a shorter term and are offered a higher rate you will be able to increase the number of months you use to repay the loan to reduce your monthly payments to suit your budget. 

Just one of the reasons we’ve been voted the UK’s Best Direct Loan Provider by Your Money for the last six years.

Why take out a loan for home improvements?

According to PropertyPriceAdvice.co.uk the following home improvements could add the potential value to your home:

Home Improvement Area Potential Value Added
Splitting a house into flats 30%
Converting a cellar Up to 30%
Converting a garage into living space 15%
Extending a kitchen with a side-return extension 15%
Adding another bedroom with a loft conversion 15%
Increasing living space with a conservatory Up to 10%
Upgrading your current bathroom 3-5%

In the right situation, making a calculated home improvement could be worth the investment before selling a property. For example, PropertyMark suggest that upgrading an outdated bathroom or kitchen prior to the sale of your property could be worth it if you have the time and money as buyers may be willing to pay more to save themselves the hassle of buying and fitting a new kitchen or bathroom themselves.

Even if you’re not looking to sell your property straight away, investing in well thought-out home improvements could mean you potentially receive the money back and more once you move on to your next house or apartment. The key is to invest in appropriately sized home improvements that will stand the test of time and make your home more attractive to the next potential buyer.

The average cost of home improvements

The diverse range of home improvements available feeds into an array of potential costs of upgrading your home. In the below table, we look at the average cost of some of the most common home improvements according to the experts:

Home Improvement Estimated Average Cost Source Other Information
Splitting a house into flats


AssetSure Costs can vary dramatically and requires planning permission.
Adding a conservatory

From £5,000 - small (supply only) 
From £12,000 - medium
From £18,000 - large

Orangeries UK Lowest price may be as low as £5,000, higher end varieties can reach £25,000

May also require planning permission depending on size.
Loft conversion


HomeAdviceGuide Based on a 'basic room in roof' loft conversion.
Garage conversion


HomeBuilding.co.uk Cost based on the average single garage.
Kitchen upgrade


HouseholdQuotes Top of the range units may cost much more.
Bathroom upgrade


HomeBuilding.co.uk Cost varies depending on start point and amount of replacements.
Cellar conversion £720-£2,640
per sq m
Real Homes Costs vary on existing space, rarely requires planning permission.
Kitchen extension £1,260 - £1,680 per sq m PropertyPriceAdvice Based on a report by the Royal Institute of Chartered Surveyors.


Should you improve your home?

Committing to a home improvement can be a big decision and one which shouldn’t be taken lightly. Often it’s about timing, whether you’re looking to sell your property immediately or you think you’ll be moving on sometime soon.

Equally, if you’re settled in a property it can be a nice idea to make an upgrade, potentially increasing your quality of living for the remaining time that you spend there. It’s also worth bearing in mind that significant renovations can take time to build and you may have to put up with your home being a building site for a while.

Taking out a loan for a renovation

A personal loan from Hitachi Personal Finance could fund your dream home renovations and turn your most ambitious plans into reality.

If you’re accepted for a home improvement loan from Hitachi Personal Finance, funds could reach your bank account within 48 hours (excluding weekends and Bank Holidays), so you won't have to wait long to make a start on the project you've been dreaming of. Whether that's installing a new kitchen, adding an extension or converting a loft into a brand-new bedroom.

Remember to factor in those easy-to-forget costs when planning your project. Hiring a contractor and obtaining planning permission can increase the overall price, so it’s vital that you consider them when working out how much you'd like to borrow for your home improvement loan.

Home improvement loan details

  • Home improvement Loan range from £2,500 to £25,000 for a term of 2 to 5 years
  • 3.5% APR Representative* on personal loans between £7,500 and £25,000
  • Easy to complete online application process and an instant decision
  • Fixed monthly repayments
  • No arrangement fees
  • No Hidden fees

We believe in keeping things very simple, so there are no set up fees or hidden charges. But remember the rate you are offered may vary due to personal circumstances and loan amount.

At Hitachi Personal Finance, our loans have been engineered with you in mind. Flexible, straightforward and competitively priced, you'll finally be able to make the home improvements you've always wanted.

We treat all our customers and their applications on an individual basis. 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 35.9%*. All loans are subject to status.

*Only for applications carried out directly via the Hitachi Personal Finance website

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Key Facts – the essential information on our Home Improvement Loans

How much can I borrow?

Our Home Improvement loan allows you to borrow from £2,500 up to £25,000.

Over what period will the loan need to be repaid?

Repayment terms are between 2 years to 5 years.

How is the loan repaid?

Repayments will be monthly, with the first repayment being payable 1 month after you sign your agreement.

You can make over-payments and early repayments on your loan free of charge, subject to our terms and conditions – view our full set of terms and conditions.

How is Interest charged?

The interest rate is fixed for the duration of the loan period. Interest is charged on a daily basis.

Click on our loan calculator to see repayment calculations, based on your preferred amount and duration.

Are there arrangement fees?

No, there are no arrangement fees or any other hidden fees.

How quickly can I have the funds in my account?

The online application process takes 10 minutes. We will make an instant decision and the funds could be in your account within 48 hours.

What happens if I can’t make the repayments?

You should be aware that you may be subject to charges if payments are not made on time.

For instance:

  • Returned or recalled Cheques or credit/debit card payments - £25 per occurrence
  • Direct Debits that are recalled - £22 per occurrence
  • Letters sent to you as a result of a breach of contract - £25 per letter
  • Default Notice - £25 per notice

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Here is our list of criteria you must meet to apply for a Hitachi Personal Finance Home Improvement Loan;

  • You need to be aged 21 or over
  • You must have a bank or building society account
  • You must be a permanent UK resident (and have been living in the UK for at least 12 months)
  • You need to be in permanent paid employment or retired with a pension
  • You must have a good credit history

It will also be helpful if you have the following information to hand when applying for a loan;

  • Annual income
  • Employment details
  • Bank account details
  • Last 5 years address history

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Home Improvement Loans Calculator

Use our loan calculator to get a quote for a Hitachi Personal Finance Home Improvements Loan.

Enter the amount you would like to borrow

Enter your monthly budget

Over a time period of

Repayment example:

Monthly repayment

Interest rate

Loan Term

Total amount payable
Apply Now

Representative Example A Hitachi loan of £7,500 over 5 years: rate of interest 3.5% (fixed), 3.5% Apr Representative, monthly repayment of £136.25, total charge for credit £675.00, total repayment of £8,175.00

Remember, the rate you are offered may vary due to personal circumstances and loan amount.

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Our customer satisfaction is vital to our success, which is why we’re the only provider to give full visibility of our reviews, updated in real-time, 24 hours a day. Based on 4756 reviews over the past year

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