Home Improvement Loan from your local Credit Union
Whether you're planning a new kitchen, upgrading your bathroom, building an extension or simply giving your home a fresh look, a Connect Credit Union Home Improvement Loan can help spread the cost with affordable repayments that suit your budget.
Unlike relying on savings alone, a Home Improvement Loan gives you access to the funds you need to get started straight away. Once approved, you can pay for materials, contractors and renovation work upfront, then repay the loan over an agreed term that works for you.
At Connect Credit Union, you can borrow from €100 to €100,000 over up to 10 years, making it suitable for everything from smaller upgrade projects to major home renovations.
Many members use a Home Improvement Loan for kitchen renovations, bathroom upgrades, home extensions, attic conversions, roofing work, landscaping projects and general home improvements around the home.
Loan Calculator
Maximum Loan Term :
7.99%
7.99%
7.99%
This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.
Why Choose a Connect Credit Union Home Improvement Loan?
Designed around flexibility, affordability and local support.
✅ Borrow from €100 to €100,000
✅ Flexible repayment terms up to 10 years
✅ No hidden fees or administration charges
✅ Repay early without penalty
✅ Local lending decisions
✅ Tailored repayments to suit your budget
✅ Free Loan Protection Insurance for eligible members (T&C's apply)
✅ Apply via the app, website or in branch
Whether you're planning improvements now or simply gathering ideas, our lending team is here to help you choose a repayment option that comfortably fits your budget.
Home Improvement Loan Guide
Whether you're replacing an old kitchen, upgrading your bathroom, building an extension or simply giving your home a fresh look, a Home Improvement Loan can help spread the cost into affordable monthly repayments.
Unlike relying on your savings alone, a Home Improvement Loan allows you to get started sooner and borrow exactly what you need for your project. Once approved, you'll receive the funds upfront so you can pay tradespeople, purchase materials and complete your renovations without delay.
At Connect Credit Union, you can borrow from €100 up to €100,000, with repayment terms of up to 10 years, making it suitable for everything from a small bathroom upgrade to a major home extension.
Our Home Improvement Loan can be used for a wide range of projects that improve comfort, create more living space and add value to your home.
Typical Home Improvement Project Costs
| Home Improvement Project | Typical Cost | Greenify Eligible? |
|---|---|---|
| Kitchen renovation | €10,000 – €35,000 | No |
| Bathroom renovation | €8,000 – €20,000 | No |
| New windows & doors | €5,000 – €20,000 | Yes |
| Roof replacement | €8,000 – €25,000 | No |
| Attic conversion | €25,000 – €55,000 | No |
| Home extension | €45,000 – €120,000+ | No |
| Garage conversion | €18,000 – €45,000 | No |
| Garden room / home office | €18,000 – €40,000 | No |
| Solar PV system | €6,000 – €10,000 | Yes |
| Home battery storage | €2,500 – €7,000 | Yes |
| Air-to-water heat pump | €10,000 – €18,000 | Yes |
| Attic insulation | €1,500 – €3,500 | Yes |
| Wall insulation | €2,000 – €10,000 | Yes |
| Driveway / paving | €3,000 – €15,000 | No |
| Landscaping & garden makeover | €2,000 – €20,000 | No |
| Interior decorating & flooring | €2,000 – €15,000 | No |
*Figures are indicative only and will vary depending on the size of the project, materials used, labour costs and location. Greenify eligibility is subject to lending criteria and qualifying energy-efficiency works.
Home Improvement FAQs
Employed
- Three of your most recent pay slips or equivalent
- Three of your most recent current account bank statements - Including the previous month
Unemployed
- Three of your most recent receipts for Social Welfare
- Three of your most recent current account bank statements - Including the previous month
Self- employed/ Ltd companies
- Two years of audited business accounts - 2024 & 2025
- Recent six month personal and business bank statements - Including the previous
month - Form 11/Chapter 4 for 2025
- Letter from accountant outlining tax position
- If limited company - Pay slips will be required
Secured loans
- Up to date proof of ID and proof of address dated in the last 6 months
Representative Example
A representative example is a term used in financial regulations. The example will help to show you the typical costs associated with a loan for a certain amount.
Loan Amount€20,000 | Loan Term5 years | Monthly Repayment€403 |
Rate of Interest - APR7.99% | Total Interest€4,171 | Total Cost of Credit€24,171 |
Ready to Apply?
Are you ready to apply or do you need more information on our affordable loans? Click the "Enquire Now" button to start your journey right now or click the "Contact Us" button to send us a message if you are unsure about your documentation, or still have other questions. Also, you can book an appointment and apply for a loan in person.
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