Thinking of purchasing a Garden Room?

Here’s a loan that can help.

Apply Now

Expand your living space with our fast and flexible home improvement loan.

  • Loans from €1,000 to €65,000.
  • Paid directly into your current account.
  • Variable rates from 6.8% APR.1
  • Repay over 1 to 7 years.
  • Option to defer first three monthly repayments.2
    Apply Now

Sample Repayment Table

Loan AmountAPR1 VariableSample Loan amountRepayment TermMonthly RepaymentTotal Cost of Credit
€300 – €1,9998.9%€1,50060 months€30.84€350.40
€2,000 – €9,9998.5%€8,00060 months€162.95€1,777.00
€10,000 – €19,9997.5%€15,00060 months€298.83€2,929.80
€20,000 – €65,0006.8%€20,00060 months€391.92€3,515.20
6.8%€40,00060 months€783.85€7,031.00
6.8%€50,00084 months3€744.02€12,497.69
6.8%€65,00084 months3€967.23€16,247.32

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.


Bank of Ireland does not accept any liability in respect of products or services rendered in connection with Garden Rooms. Bank of Ireland is not responsible for information on third party websites.

Garden Rooms

1APR 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. Only Bank of Ireland customers can apply online. The repayments on a personal loan of €20,000 over 5 years are €391.92 per month based on a variable rate of 6.8% APR. The total cost of credit is €3,515.20. Variable rates are correct as at 18th October 2017 and are subject to change.
2Optional only if loan is repaid monthly. By deferring the first three monthly repayments you will pay more than if you paid over the standard term.
3Terms up to 7 years available on Home Improvement Loans only.