Need to borrow money to pay for your home improvements? We offer a range of borrowing options that could suit your needs.
Make your plans a reality. If you need to borrow money to pay for your home improvements, we’ve got a few ways that we could help.
Personal loans
Our personal loans allow you to borrow between £1,000 and £25,000. You'll pay a fixed amount back each month, repaying over a term up to 5 years. You can pay back a personal loan early, either in full or part.
Learn more about our personal loans
Additional loans (for existing Santander mortgage customers)
If you already have a mortgage with us and want to borrow £5,000 or more, you could consider an additional loan which will be secured against your home. You need to borrow the money for at least 5 years and borrow less than 85% of your home’s value.
Learn more about additional loans
Borrow more when you remortgage to Santander
You can use the equity in your home to borrow more money for your home improvements. Just remember, increasing the size of your mortgage will mean your monthly payments may go up.
Learn more about remortgaging to us
Other borrowing options
We’ve also got other borrow options that could suit your needs.
Learn more about other borrowing options
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Get £1000 cashback on your energy efficient improvements
You could get cashback if you borrow from us to make energy efficient home improvements using one of our trusted partners. Offer available to our mortgage and personal current account customers only. Minimum borrowing of £5000 applies. All loans are subject to status. T&Cs apply. Offer ends 30th June 2025.
Greener homes cashback terms and conditions
Eligibility
Here’s how to qualify for the £1,000 greener homes cashback:
- be an existing Santander mortgage or personal current account customer
- get an additional loan on your mortgage or a personal loan from us to pay for the work. Minimum borrowing of £5,000 applies
- set up a Direct Debit to pay for the additional loan or personal loan
- complete your eligible energy efficient home improvement* through one of our trusted partners shown on our Find an installer page
- have the work done at the property address of your existing Santander mortgage or Santander personal current account.
Terms and conditions
- You can only get 1 greener homes cashback payment per household.
- Geographical restrictions apply for some of the partner services offered.
- You must have an existing Santander UK mortgage or Santander UK personal current account. This must remain active to get the greener homes cashback.
- Cater Allen, cahoot and Business Banking current accounts aren’t eligible.
- You can apply an additional loan on your mortgage in Online Banking, our Mobile Banking app or by phone.
- You can apply for a personal loan on our website, in Online Banking, our Mobile Banking app or by phone.
- You must have borrowed at least £5,000 to qualify.
- You must have started your additional loan or personal loan application after 14 February 2025.
- Any work must be finished by 30 September 2025 to qualify for the greener homes cashback.
- To be eligible for a cashback payment you must have either received a quote from one of our trusted partners or applied for borrowing from Santander before 30 June 2025.
- Offer can be withdrawn at any time.
- Santander are not responsible for the compliance with any necessary planning or building regulations for any work completed with the supplier.
- Santander are not responsible for making sure the supplier follows the required planning or building rules. You must be satisfied with the work.
| *Eligible energy efficient home improvements | Santander trusted partners available* |
| Solar panels and battery | ScottishPower Octopus Energy MakeMyHouseGreen |
| Air source heat pump | ScottishPower |
| Any other energy efficient improvements available through our trusted partners** | Vibrant Energy Matters |
**Offer excludes spray foam insulation and EV chargers