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Home Improvement Loans


Low rate loans from

3.1 % APR

Representative on £7,500 to £25,000

Representative on £7,500 to £25,000

The world is changing and so are we!

From early next year, we’ll be rebranding from Hitachi Personal Finance to NOVUNA Personal Finance with a fresh new look and feel. We’re really excited about our new brand and positive you’re going to love it! Find out more

Renovate your home with a home improvement loan

  • Home Improvement loans as low as 3.1% APR for your next project

  • Over 30 years experience in helping people improve their homes

  • Choose the date your repayments are made each month

  • No hidden charges or arrangement fees

  • Up to 5 years to pay back the home improvement loan

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Our price promise

Remember, the rate you are offered may vary due to personal circumstances and loan amount, 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 £233.56 per month with our maximum 31.9% APR Representative when you borrow £7,500 over 5 years*.

The maximum APR you could be offered when you borrow other loan values is 35.9%*. All loans are subject to status.

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

Why choose us for home improvement financing?

If you’re shopping around for home improvement loan options, with us you’ll find low APR loans and outstanding customer service. It’s why we’ve been voted the UK’s Best Direct Loan Provider by Your Money for the last six years.

What can I use a home improvement loan for?

Whether you want to convert, extend, improve your home office, add a conservatory, renovate your kitchen or finance a new roof, we’ve created a range of competitive home improvement loans to cater for all kinds of different projects.

Our range of Home Improvement Loans

Loft Conversion Loans

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

Conservatory & Extension Loans

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

About our Home Improvement Loan

A home improvement loan is a type of personal unsecured loan specifically for renovations such as extensions, loft or basement conversions, or even smaller DIY projects. Getting a loan for house renovations is the ideal way to create the home you want and add value to your property, without the initial outlay.


Once the renovations are complete, you could be reaping the rewards for years to come. Not only will home improvements provide years of happiness, you’re also likely to add value.

Taking out a loan for building work or extension could produce a considerable return on investment when you come to sell your property. According to, large-scale home improvements like splitting a house into flats or converting a cellar can add up to 30% to the value of your home. Even low cost home improvements like bathroom upgrades can enhance the value of a property by 3-5%.


If you’re wondering how to add value to your property making home improvements could be well worth the investment. PropertyMark suggests that upgrading an outdated bathroom prior to selling 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.

Even if you’re not looking to sell your property right away, investing in well thought-out improvements with a personal loan could mean you potentially receive the money back and more once you move onto your next property. 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 - that’s ultimately what adds value to a house.

According to, this is the potential value that specific home improvements could add to your home:

Home Improvement AreaPotential Value Added
Splitting a house into flats30%
Converting a cellarUp to 30%
Converting a garage into living space15%
Extending a kitchen with a side-return extension15%
Adding another bedroom with a loft conversion15%
Increasing living space with a conservatoryUp to 10%
Upgrading your current bathroom3-5%

A home improvement loan could help you fund your dream home renovations and turn your plans into reality, but it can be a major financial decision. Remember to factor in those easy-to-forget costs when planning your project. A small DIY project might be straightforward enough but hiring a contractor or obtaining planning permission can increase the price.

It’s vital to consider these factors when you’re working out how much you’d like to borrow for your home improvement loan. As with other forms of personal borrowing such as car finance, you should also consider your financial situation and the impact of the monthly repayments.


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