Need a loan for home improvements?

Renovating your home can be a great way to add value to it, and it’s a much cheaper option than moving house. If you’re planning on improving, or even extending your home, an Ocean home improvement loan could help.

There are lots of ways you could fund your renovations, but if you haven’t had chance to save up, a home improvement loan could help, and with us you can easily gain access to competitive home improvement loan rates. We offer two different types of loan – homeowner and personal.

You’ll only be eligible for a homeowner loan if you own your own property. They range from £10,000 to £100,000 and can be repaid over 3 to 25 years. You can use our SmartSearch to find home improvement loans that you’re likely to be accepted for before you apply.

Personal loans are different because you don’t have to own your own home to apply. These range from £100 to £10,000 and can be repaid over 3 to 60 months.

Alternatively, why not use our home improvement loan calculator? It's a great tool that allows you to input a loan amount and an interest rate so you can see what your monthly repayments could be.

Our loans could help with:

Building an extension

Adding an extension or conservatory won’t just give you extra living space, it can also add value.

Upgrading your kitchen

A new kitchen, complete with new appliances, cupboards and furniture can help you bring your home up to date. If you’re looking to spend less, you could just update the worktops, floor or cabinet doors to add a more modern touch.

Loft conversion

Make the most of your home by converting your loft into another room. Adding another bedroom could add to the value of your home too.


This is one of the easiest ways to revamp your home. New wallpaper and new furniture can transform your living space, without breaking the bank.

Garden makeover

In the summer (if the weather permits it!), there’s no better place to spend a day than in the garden. Adding decking or a new seating area can give you lots more usable outside space.

Try our loan calculator to see what your payments could be

The amount we show you is just an estimate. To get a personalised quote, we’ll ask for a few more details.

Sorry but we don't offer loans of more than £250,000

Estimated monthly payments:

Based on your loan request you could be suitable for an

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Representative Example If you borrow £25,515 over 10 years at an annual interest rate of 6.5% (variable) you would make 120 payments of £329.03 per month. The total amount of credit will be £28,985. The total amount repayable will be £39,483.60 (this includes an average Lender fee of £495 & Broker fee of £2,975). The overall cost for comparison is 9.9% APRC Representative. Subject to status, the actual rate will depend on your circumstances.

Warning: Late repayment can cause you serious money problems. For help, go to

Representative Example: If you borrow £1,800 over 24 months at an annual interest rate of 41.2% (fixed), Representative 49.9% APR, you would pay £111.28 per month. The total amount repayable will be £2670.72

Sorry, we don't offer loans for

We offer Ocean Personal Loans from £100 to £10,000 and Ocean Homeowner Loans from £10,000 to £100,000

Sorry we can't help with this loan amount / term

Ocean Personal Loans (£100 - £10,000) are available between 3-60 months only

Ocean Homeowner Loans (£10,000 - £100,000) are available between 3-25 years only