Home improvements on a budget

Home improvements can feel like taking out a mortgage all over again. From astronomical prices of seemingly small features, to add-on charges at every new decision. But it’s not all bad news. Here’s a few tips to keep your spend low and your satisfaction high – it’s our guide to home improvements on a budget.


Make use of what you have


While fitting the whole house out with the latest furniture might seem appealing, your budget won’t thank you. You may be fed up with that dresser in the corner, but it might fit perfect in your updated guest room. Think twice about a use for each item of furniture before you dispose of it. You might be surprised at the money you’ll save.




Not to be the bearer of bad news, but budget renovations means getting your hands dirty. However, with the warmer weather of the summer months fast approaching, DIY doesn’t have to be a chore. Take a look at Pinterest and other sites for inspiration from creative DIY-ers around the world. Remember that we all have different levels of expertise when it comes to DIY, so try out anything you think your able for, and ask around for some help with the rest. While saving on your budget is important, your health is paramount, so don’t overdo it all on your own.




Government grants are a great way to maximise your budget, and get the most for your money. Know what you’re entitled to, and make the most of this opportunity. Take a look at the Home Renovation Incentive (HRI) for an idea of what you might be entitled to receive.


Get planning


Ready to start planning? The first step is to decide your budget. Open our Loan Calculator and see how much you can afford based on the repayments. We have a special discount rate for Home Improvement Loans of between €25,000 – €50,000.* If you’re looking for less, a Personal Loan will do.


And remember, there’s no penalty for early repayment. So you can pay your loan back early, and get started on the next project that will inevitably pop up.


*Lending criteria, terms & conditions apply.

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