Whether it’s an extension, new kitchen, attic conversion, garden renovations or redecorating; make your dreams and sketches come true!

Take advantage of our Low-Rate Promotional Home Improvement Loan Rate. Members can borrow up to €50,000 with flexible repayment options and no penalities for early repayment.

Home Renovation Incentive Scheme – Reduce your home improvement costs even more
The Home Renovation Incentive (HRI) Scheme enables homeowners or landlords to claim tax relief on repairs, renovations or improvement work that is carried out on their main home or rental property by tax-compliant contractors and that is subject to 13.5% VAT. The HRI is paid in the form of a tax credit at 13.5% of qualifying expenditure, which can be set against your income tax over 2 years. This effectively reduces the rate of VAT to zero on qualifying work, up to the value of €30,000. In order to qualify for the HRI, the work must be done between 25 October 2013 and 31 December 2018 for homeowners; between 15 October 2014 and 31 December 2018 for landlords; and between 1 January 2017 and 31 December 2018 for local authority tenants. Click for more information on the HRI Scheme.

SEAI – Better Energy Homes
This scheme provides grants to homeowners who invest in energy efficiency improvements in one or more of the following areas: Roof Insulation, Wall Insulation, Installation of a Gas or Oil fired Boiler, Heating Control Upgrades and Solar panels. Click for more information on SEAI – BEH.

Warmer Homes Scheme (WHS)
This scheme aims to improve the energy efficiency and comfort of your home at no cost to you as long as you own it , if it is built pre 2006 and the owner is in receipt of one of the following; Fuel Allowance, Job Seekers for over 6 months and children under 7, FIS or in receipt of the “One Parent Family”. Click for more information on SEAI – WHS.

Loan Calculator

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Calculator is based on our current lending rates and is only intended as an indication of payments. Lending is subject to a current assessment. T&C’s apply.