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Borrow money for home improvement

Affordable renovation and an interest from 3.5%

A loan is an inexpensive way to finance a home improvement. You can remodel the kitchen or bathroom and take advantage of a low interest rate that is often deductible.

Borrow money for home improvement

A loan is an inexpensive way to finance a home improvement. Think of a new kitchen , bathroom or solar panels . You determine the term of the loan and the loan form yourself. After acceptance of the quotation, you will have access to your money within a few working days. You also benefit from a low interest rate that is often tax-deductible. Thanks to our combination credit, you can borrow an extra high loan amount from us up to € 150,000 to improve your home.

Loan or mortgage ?

Financing home improvement with a Personal Loan

Most people choose a Personal Loan for home improvement. Because in such a case the interest is deductible. But this only applies if you are renovating your own owner-occupied home. Homeowners also borrow at an extra low interest rate. A Personal Loan offers a lot of security, because with a Personal Loan:

  • you benefit from a fixed low interest rate from 3.5%;
  • you know in advance exactly when you will pay off the loan;
  • you borrow a fixed amount for your home improvement that you pay off monthly with a fixed amount in repayment and interest.

A Revolving Credit for home improvement

You can also finance a home improvement with a Revolving Credit: a flexible loan with a variable interest rate. This means that the interest can change at any time and you sometimes pay slightly more or less interest. A Revolving Credit is a good option if you do not know exactly how much money you need or if you want to keep some extra money on hand. Because with a Revolving Credit:

  • you determine exactly how much money you withdraw, up to the credit limit;
  • you may always withdraw the repaid amounts;
  • do not set a date in advance on which the loan must be repaid. You always have extra money on hand.

Please note: the interest on a Revolving Credit for home improvement is not deductible.

Financing home improvement with combination credit

In addition to the usual loan types of personal loan and revolving credit, you can also opt for our combination credit for the home improvement loan purpose . This credit consists of two personal loans with a fixed low interest rate and fixed low monthly costs. The interest costs are tax deductible, so you have a tax advantage. But this loan form can also consist of a part personal loan and a part revolving credit: the best of the two loan types combined in one loan. A fixed part and a flexible part.

The various loans are distributed in various ways with different banks. In this way, the risk is shared and a higher loan amount is possible. As a customer, you receive favorable conditions and a low interest rate (thanks to the spread of risk).

The advantages of a combination credit:

  • Security of a personal loan
  • Flexibility of a revolving credit
  • High loan amount up to € 150,000 thanks to risk spreading
  • Low interest
  • Favorable terms

Loan Guide

With the help of our loan guide you can calculate yourself which loan form best suits your situation and wishes. You can request a quote without obligation via the online request form . We will send you a tailor-made proposal from our partner banks. Our interest rates are low and the associated conditions are favorable. And you do not pay any advice and closing costs.


A Personal Loan for home improvement is tax deductible .

Fixed extra low interest from 3.5%

Homeowners benefit from additional interest savings.

Answer within 24 hours

You will receive an overview of your options by e-mail and in My SNLO.

No notary and appraisal costs

Unlike with increasing your mortgage, there are no additional costs with a loan.

Current interest rates

Request a quote without obligation