Making a house a home

No matter how big or small your family is, we bet that in some shape or form that you’d like more space.

No matter how big or small your family is, we bet that in some shape or form that you’d like more space.
A simple way to add value to your home is to add space, that one thing we all crave. Since the introduction of the Home Renovation Incentive Scheme which was introduced in last October’s Budget, now might be the time to consider some renovations.
 
As our families grow and its needs change – so do our homes. Sometimes it’s a new or extended kitchen or a new bathroom. Perhaps  it’s an attic conversion for more bedroom space. Or if it’s extra sunlight and ground floor space you crave, a conservatory might be for you. Others look at amending the existing layout of their homes, by converting a garage, knocking through rooms and creating new ones.
 
If some of these options sound appealing to you, you could be one of many people now choosing to extend or renovate their homes due to the increase in home prices and a shortage of new properties coming on to the market.
 
Consider these 4 major benefits for considering home improvements:
 
Comfort

Your home is your castle, and you should feel as comfortable as possible within your four walls. Remodelling improvements can help make your home the blissful paradise you deserve.
 

Increasing space

If your home feels too cramped, expansions, room additions or conversions can allow your family that extra space you need.
 

Energy efficiency

On top of our new found comfort and space after a remodel, you’ll be doing backflips when you see your next energy bill. You should find that with energy efficiency in mind with your upgrade, your bill comes down a good bit in the process, whether you consider new windows or better insulation, to name just a few options.
 

Thinking of moving on?  Consider building on!
If you have outgrown your home or feel like a complete change of surroundings, consider the possibility of building on, before moving on. By improving your home and creating that much needed extra space, you are not only making this a better place to live, you are also investing in your home for the future.
Now for the easy part – the financing of it!
 
If you’re thinking about home improvement, KBC’s home improvement loan affords families the opportunity to fulfil their home enhancements by offering the lowest rates in the market for loans of over €10,000.*
 
You can borrow between €1,500 and €50,000 and avail of flexible terms from 1 – 5 years…whatever suits your financial situation best. What’s most important to bear in mind is the fixed rate on offer, giving you that peace of mind when making the decision. There is the comfort of always knowing what you have to pay back in the month, and if you come into a little windfall, you have the flexibility to pay off your loan early.**
 
Applying couldn’t be easier
Simply, complete this online application form (sole applicants only. If you're looking for a joint Personal Loan, please print and complete the 'Personal Loan PDF Form', located in the forms tab).
Or apply by phone on 1800 51 52 53
Or apply in any KBC Hub
 
After all that, enjoy the time dreaming up the new opportunities to make your house a home.
 
*KBC Home Improvement Loan listed as the lowest unsecured loan for amounts over €10,000 by Bonkers.ie. Information correct as of 09/04/2015. Rates subject to availability. **There is no early repayment charge if the total amount repaid early in any given year is less than €10,000. For amounts of €10,000 or more, the charge will be 1% of the amount repaid early if more than one year of the term of the loan remains. If one year or less of the term remains, the charge will be 0.5% of the amount repaid early.
Important Information
Lending criteria, underwriting, terms and conditions apply. Evidence of intent to use the loan for home improvement purposes may be sought. Home Improvement Loans are available up to a maximum value of €50,000. *KBC Home Improvement Loan listed as the lowest unsecured loan for amounts over €10,000 by Bonkers.ie. Information correct as of 09/04/2015. Rates subject to availability. **There is no early repayment charge if the total amount repaid early is less than €10,000. For amounts of €10,000 or more, you will be obliged to pay a charge. The charge will be 1% of the amount repaid early if more than one year of the term of the loan remains. If one year or less of the term remains, the charge will be 0.5% of the amount repaid early.
A Handy Representative Example
€20,000 fixed rate loan over 5 years (60 months).
Monthly repayments of €407.64.
Rate of interest 8.22% p.a. variable.
Representative Annual Percentage Rate (APR) 8.5%.
Total cost of credit would be €4,458.22.
Total amount repayable would be €24,458.22.
 
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