Improve without the move

Home improvement loan options for you.

Improve, Repair or Extend your Home

Make the most of the Government Home Renovation Incentive (HRI) scheme and grants under the Better Energy Homes Scheme, to make the home improvements you want.

The Home Renovation Incentive (HRI) provides an income tax relief that homeowners can claim for repairs, renovations and improvements to their home or rental property. The revenue website has a full section of information on this, including how to apply.

If you are improving your home to become more energy efficient you could also apply for a grant under the Better Energy Homes Scheme. All the information you need is available on the Sustainable Energy Authority of Ireland (SEAI) website.

With Bank of Ireland, you can apply for a home improvement loan to cover the cost of your renovation work, or a mortgage ‘top-up’ (equity release) which is an additional mortgage loan secured on your property. The choice is entirely yours.

Find out which options suits your needs:

  • Home improvement loan option
  • Mortgage Top-Up option

    Please note Bank of Ireland is not responsible for the content on either the Revenue or SEAI websites.
    Lending criteria, terms and conditions apply. Security and insurance are required for mortgage lending. To apply you must be 18 years or over.
    Bank of Ireland Mortgage Bank trading as Bank of Ireland Mortgages and the Mortgage Store is regulated by the Central Bank of Ireland.
    Warning: If you do not keep up your repayments you may lose your home.
    Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.