Make it real

and borrow €20,000 for less than €395 a month over 5 years1
If you are upgrading your homes energy efficiency you may be able to avail of a lower interest rate with our Green home improvement loan. Please visit our Green Home Improvement loan page for details on how to apply here 2

Home Improvement Loans

Key Features

  • Variable rates from 6.8% APR1
  • Amounts from €2,000 – €65,000
  • Loan terms from 1 to 7 years
  • Flexible repayment options – clear your loan early and pay less interest
  • Option to defer first 3 months’ repayments3
  • No need to hold any savings against your loan
  • Apply online in 15 minutes4 (existing 365 online registered customers)

To see which rates apply to your needs, click here.

Apply Online
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.
Warning: The cost of your monthly repayments may increase.
1 APR stands for Annual Percentage Rate. Rate offered depends on loan amount and may differ from advertised rate. Lending criteria, terms and conditions apply. Over 18s only and not suitable for students. The repayments on a personal loan of €20,000 over 5 with 60 monthly instalments are €391.92 per month at 6.6% variable (Annual Percentage Rate of Charge (APRC) 6.8%). The total cost of credit is €3,515.20. Variable rates are correct as at 30th June 2020 and are subject to change.

Work being undertaken must include one of the below to qualify for a Green home improvement loan:

  • Renewable Energy Upgrade (e.g. solar panels)
  • Attic/Floor/Wall Insulation
  • Pipe Insulation
  • Sustainable water/heating systems
  • Boiler Upgrade
  • Installation of energy efficient controls in the home
  • Door/Window Replacement
  • Deep retrofit (e.g. as part of the SEAI Deep Retrofit grant)
3 By deferring your repayments at the start of your agreement you will pay more interest over the loan term than if you started to make repayments from the outset.
4 15 minutes refers to completed online personal loan applications by Bank of Ireland current account holders.