Home Improvement Loan

Apply for a Loan Today!

Apply for a Loan Today!

6.75% - 7.99% (6.96% - 8.29% APR)

Transform your house into your dream home with our competitive Home Improvement Loan rates. Planning a new extension, upgrading your kitchen or bathroom, repairing a leaky roof, replacing windows, or revamping your garden? Our Home Improvement Loan is tailored for you.

Our benefits

Why a loan from Ashbourne Credit Union is better:

No hidden costs or administration fees

If you pay off your loan early or lodge a lump sum we don’t impose an interest penalty on you

Free life cover on your loan (subject to term & conditions)

Fair and honest interest rates

Rates on Offer

Home Improvement Promotional Rate* under €60,000 - 7.99% (8.29% APR)

Home Improvement Promotional Rate* over €60,000 - 6.75% (6.96% APR)

*Promotional rates are subject to change

Do you know about the Better Energy Scheme?

The Better Energy Homes 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 High Efficiency (> 90%) Gas or Oil fired Boiler, Heating Control Upgrades and Solar panels.

The Warmer Homes Scheme (WHS) aims to improve the energy efficiency and comfort conditions of homes occupied by vulnerable households in receipt of the National Fuel Allowance Scheme through the installation of draught proofing, attic insulation, lagging jackets, low energy light bulbs and cavity wall insulation where appropriate

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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.

Loan Documentation required by the Member and Guarantor where applicable:
Before you apply, please ensure that you have the following documentation
  • Valid Photo I.D passport / driver’s licence
  • Proof of Address (bank statement, utility bill dated within the last six months)
  • Proof of PPS number on an official document
  • Proof of Income (3 most recent payslips, pension payments, social welfare receipts)
  • Last 3 months bank statements (for all bank accounts) / credit card statements
  • Most recent Mortgage Statement
  • Proof of any other additional income

Additionally, if you are self-employed, you will also require

  • Last 6 months bank current account, business account and credit card statements
  • Most recent account certified by a registered Accountant.
  • Most recent Form 11 (will typically refer to the previous financial year)
  • Most recent Revenue Notice of Self-Assessment (Chapter 4)
  • Tax clearance cert / Letter from Accountant confirming accounts and tax is up to date.
  • Cash flow statement
  • Proof of any other income
  • Proof of rental income and tenant arrangement (i.e., copy of lease / tenant agreement / rent book).
  • Other documentation may be required on assessment.
Please Note

Documents can be handed in at the credit union, uploaded via our website with online loan applications or emailed to our lending team at lending@ashbournecu.ie. Emailed documents must be in PDF format and legible.

Proof of address and Valid ID must be up to date on all accounts.

You can download our supporting documents, click here. Please be advised other documents may be required and will be advised by our lending team.

To view our office opening hours or to contact us click here.

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Ready to Apply?

Are you ready to apply or do you need more information on our affordable loans? Click the "Apply 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.

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