If you have a residential mortgage with us, you may be able to borrow to pay for home improvements. The repayments on a Home Improvement Loan (Top Up) are at mortgage rates, which are typically lower than our Personal Loan rates.
The first step in applying for a Home Improvement Loan (Top Up) is to speak to one of our Mortgage Consultants in your local branch. Fill in our form, or call 0818 210 585 or +353 1 215 1344 to book your appointment.
The amount you can borrow is based on the equity or value in your home. The amount you can borrow starts from €25,000 up to 85% of the current market value of your property today, less the amount you owe on the property.
In order to avail of the maximum of 85% of the current market value of your property today, less the amount you owe on the property, you must have your mortgage with us for a minimum of 2 years with a good repayment history and are not seeking to refinance any short-term debt.
If you are refinancing existing short-term debt please note the warning below:
Warning: This new loan may take longer to pay off than your previous loans. This means you may pay more than if you paid over a shorter term.
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