Loft Conversion Loans and Finance

Low rate loans from

3.1 % APR

Representative on £7,500 to £25,000

Representative on £7,500 to £25,000

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Add an extra room with a loft conversion loan

If you’re looking to borrow money to convert your loft space into an extra bedroom or home office, our low APR loans could help you turn those plans into a reality without the upfront costs.

  • Open up your loft space with a low APR loan from 3.1%

  • Take up to 5 years to repay your loft conversion loan

  • Over 30 years experience in loft expansion loans

  • Choose the date your repayments are made

  • No hidden charges or arrangement fees

  • The UK’s Best Direct Loan Provider for 7 years running

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Our price promise

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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 a loft conversion loan?

If you’re shopping around for loft conversion finance options, we can offer you some of the lowest APR rates on the market, starting from just 3.1% APR representative on £7,500 to £25,000. To find out how much you could borrow for your loft conversion, use our loans calculator.

How to apply for a loft conversion loan

Applying for a loft conversion loan with us takes just 10 minutes and you’ll get an instant decision. Whether you need to fund a full project or just one aspect of it, our loans can help, with amounts from £7,500 to £25,000 and terms from 2 to 5 years to suit a wide range of budgets.

What are Loft Conversion Loans?

A loft conversion loan gives you the finance you need to have your loft converted into a usable room, including both materials and labour. You can use the funds to create an additional bedroom, a study, a children’s playroom or anything else you had in mind.

As with all our unsecured personal loans, you won’t need to put up any assets. Lending decisions are based on your creditworthiness and your ability to repay. You will borrow at a fixed APR with pre-agreed monthly repayments that suit your budget.


Loft conversion costs can be expensive, but with our low APR loans, the project could be a lot more affordable. Once completed, the benefits of a loft conversion project are clear. For starters, you’ll create more space without the hassle of having to move home, ideal if your family is growing and you need an extra bedroom.

A loft conversion is likely to add value to your property too. House prices tend to be around 20% higher in properties with converted lofts, so when it comes to selling, the extra room can really pay off.


As with most home improvement projects, loft conversion costs can vary depending on your home and the type of work you have in mind. Prices start out at around £15,000 based on a basic ‘room in roof’, but for more extensive projects including plumbing work, the price can be much higher.

At Hitachi Personal Finance, our maximum amount for loft extension loans is £25,000, enough to cover the costs of labour and materials for a wide range of loft conversion projects. To find out how much your loft conversion will cost, you should get a quote from a specialist, then use our loans calculator to work out your monthly repayments.


There are several things you need to consider before you begin the application process for a loft conversion loan. The most obvious question is whether your house is suitable for a loft conversion.

A key rule is that there should be at least 2.2m between the floor and the ceiling of your attic space, but there are other requirements too. You should consult a loft conversion specialist before you make any borrowing decisions.

Once you’ve established that your home is suitable for a loft extension, you can start working out how much you need to borrow. Remember to factor in costs for decorating and electrical work, as well as materials and labour.

There are also building regulation fees to consider, and you’ll need to follow guidelines. The good news is that most houses don’t require loft conversion planning permission. However, there are exceptions such as listed properties.


As with most home improvements, the value added will depend on a number of factors including the type of loft installation. According to, adding another bedroom with a loft conversion could increase the value of your home by 15%.

The location of your property will also determine how much a loft conversion will contribute to a home value increase. Depending on where you live, converting your attic can add anything from £35,000 to £100,000 in property value. In Central London, where demand for living space is much higher, the loft conversion value increase can be up to £200,000.


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