Home Improvement Loan Ireland | Fixed Rates
Home improvement loans apply
home improvement loan calculator
See what you can borrow
We’ve created the easy-to-use Avant Money Home Improvement Loan Calculator to give you a clear idea of what your repayments could be:
Everything happens online
Everything happens online
You can apply anytime, anywhere - and if you need any assistance with your application,our contact centre team is happy to help. Just call 071 959 4076
Apply for a Home Improvement loan online
Apply for a Home Improvement Loan online
Applying is simple and you can immediately check if you’re eligible:
Why choose avant money title
Why choose Avant Money?
Why choose avant money benefits 1
Avant Money makes it simple to borrow what’s needed to transform your plans into reality.
You can be sure that the interest rate will stay the same over the entire repayment period.
You won’t face any fees or charges if you want to repay the loan in full earlier than expected.
Why choose avant money benefits 2
If you have any questions or need assistance, we’re just a phone call away.
You choose the repayment period that suits your budget from 12 months up to 10 years.
You can borrow up to €75k; and if you need less than €5k, why not consider an Avant Money Credit Card ?
Home Improvement Loan Calculator
Try our Home Improvement Loan Calculator
and check your eligibilty today
What does a Home Improvement loan cover?
What does a Home Improvement Loan cover?
It’s all about flexibility. An Avant Money Home Improvement Loan can be used for whatever you have in mind.
Why upgrade your property section heading
Why upgrade your property?
There are many reasons why applying for an Avant Money Home Improvement Loan makes sense
Why upgrade your property
A Roomier Home
Is it time to think bigger? With vision and imagination, homes can be enlarged to create space for all the family. Apply today to check your eligibility!
More Comfort
Updated bathrooms, crisp modern kitchens and spacious open-plan rooms. An Avant Money Home Improvement Loan can mean more comfort for everyone.
Increased value
Investing in your home can add to its overall value and make it more attractive to buyers. The flexibility of an Avant Money Home Improvement Loan will streamline the process.
Hassle Free Improvement
Want a more up-to-date home that matches your current needs? You don’t need security, valuation or solicitors with our home improvement loans.
Careful planning lowers costs
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Careful planning lowers costs
With any home improvement project, costs can easily spin out of control. That’s why it’s so essential to plan and anticipate any issues that might make extra demands on your budget.
Being optimistic is great - but assuming everything will be fine can come with a hefty price tag.
Ways to stop costs spiralling
Ways to stop costs spiralling:
Prevent costs spiralling checklist 1
Once you have made your decisions, stick to them. Sudden changes of direction can have a negative impact on costs.
If you can take care of any jobs yourself, do so. Applying your skills – or learning new ones – can lead to significant savings.
Shopping around will give you a better idea of your options. So don’t settle on the first supplier or contractor you find.
Prevent costs spiralling checklist 2
By planning well in advance and giving contractors notice, you may be able to lock in a lower fee for the project.
Skimping on materials could lead to costly problems down the line. Pay a little extra for higher quality.
Home imprvement loan checklist
Are you absolutely satisfied that your plans will deliver what’s needed – for example, if converting your attic, will the new room be large enough for the purpose you’ve planned? Or are you clear by how much you will save by retrofitting insulation?
Have you clearly briefed contractors such as architects and suppliers? Vague plans and changes-of-mind in the middle of a project will result in higher costs.
Always ensure that your project includes a contingency budget to cover unforeseen expenses. Pulling up floorboards or removing plaster from walls often reveals unexpected problems that need fixing.
Give your contractors enough time. Racing to complete a job due to an unrealistic schedule can mean hiring costly extra resources.
Are your contractors up to the challenge? Make sure you get testimonials from previous clients who have had similar work done.
BER is an important factor affecting your property’s value. When planning your improvement, try to ensure that the work will enhance your home’s overall energy efficiency.
It’s essential that all planning permissions have been granted before you do any work. In an extreme situation, work undertaken might have to be removed if permission is subsequently denied by a local authority.
Will you need to move out while your work is being done? If so, don’t wait until the last minute to arrange temporary accommodation.
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Our products
Want certainty? By protecting you against the possibility that interest rate might rise, Avant Money's One Mortgage offers complete peace of mind.
Ready to change or upgrade your car? Whatever car you want to purchase, get a fast loan decision from Avant Money.
By streamlining your borrowing, you could make real savings. Use an Avant Money Refinance Loan to replace your other loans with a single monthly payment.
Home Improvement
Home Improvement Loan Interest Rates
Home Improvement Loans
*Rates and loan terms are correct as of 22nd February 2024 and are subject to change (Source: CCPC.ie). Maximum APR (Annual Percentage Rate) is 19.9%. Minimum loan term is 12 months and maximum term is 120 months. Loan terms vary depending on the purpose of the loan; 120 month terms are only available for Home Improvement and Refinance loans of €20,000 to €75,000.
Lending criteria, terms and conditions will apply. Personal loans are available to residents of the Republic of Ireland over the age of 18 and are subject to repayment capacity and financial status. Proof of income and a credit reference agency search will be required to help us approve your request. Personal loans are unsecured and not available for business purposes, house purchase or investment.
Representitive example Home imp
Representative example:
On a €20,000 loan over 5 years, at a fixed rate of 6.9% (7.1% APR) you will pay €395.08 a month. The total cost of credit would be €3,704.86 and the total amount repayable would be €23,704.86.
Rate offered takes into account financial profile and credit history.
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Need more help?
Got a question? Everything you need to know about getting a personal loan from us can be found in our help centre.
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You can also apply by calling our dedicated loans team
between the hours of 8am to 8pm Monday to Friday, and
8am to 2pm on Saturday (excluding Bank Holidays).
Call us today on:
(071) 959 4076
Frequently Asked Questions
Frequently Asked Questions
Frequently Asked Questions
What is a fixed rate home improvement loan?
Avant Money Home Improvement loan interest rates are fixed. This means your monthly repayments will always stay the same for the lifetime of your loan.
Is a home improvement loan tax deductible?
At the moment, a home improvement loan is not tax-deductible in Ireland. Previously, under the Home Renovation Incentive scheme some home improvement work undertaken between 25 October 2013 and 31 December 2018 was subject to tax relief.
How do I apply for a home improvement loan?
To apply for an Avant Money Home Improvement Loan, first use our Loan Calculator to check how much you can borrow. You can then apply online here and if you’re eligible, approval in principle can be given in minutes.
How much can I borrow for my home improvement loan?
If eligible, you can borrow any amount between €5,000 and €75,000 for home improvements and repay the amount over any period up to ten years. If you need less than €5000, why not consider a Avant Money Credit Card?
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