Whether you are planning to replace your roof, build an extension or replace worn out floors, come talk to us today about a home improvements loan. We have loan rates of 11.6% APR on our Standard Loans and a special low rate of 5% APR on Secured Loans. You can get an estimate on our online loan calculator.

As the economy gradually picks up and consumer spending confidence improves, more of us will be considering home improvements. The Government’s Home Renovation Incentive Scheme can also be availed of and provides some welcome tax relief for those planning work. It covers repairs, renovation or improvement works during the year. More information on the Home renovation Incentive can be found here; http://www.revenue.ie/en/tax/it/reliefs/hri/.

Our philosophy at St. Michael’s Credit Union has always been to look at things differently. We understand the difference a home improvement loan can make to your life, increasing comfort and adding space, so we always look at your whole story to make sure you feel at home with the loan process. We only propose home improvement loans with realistic terms, which you can pay back in a way that works best for you. We don’t charge administration fees or transaction charges and you can pay back your home improvement loan early without penalty if that becomes an option. In your local credit union, you are not a customer, you are a valued member! St. Michaels only exists to serve the financial needs of our members. Below is an example of a home improvement loan at our standard rate of 11.6%.


No matter what your home improvement loan from a total revamp, to just a little redecorating, your credit union will ensure everything is clear, transparent and straightforward. So you can get on with creative and wonderful improvement ideas for your home, your way. Rember though that it is important to put in place a budget and you know where your money is going before throwing your savings or borrowings at a project. If you’re thinking of turning your house into a home again, we can help! Call us today or try our online loans calculator!

Commenting on the home improvement loan our manager Roland had this to say “The Irish property market is definitely showing signs of recovery and this, in turn, is giving people confidence to carry out home improvements that maybe they put off during the depths of the recession. St. Michaels are delighted to be able to offer financial support to our members looking to improve their homes. We would encourage members contemplating undertaking home improvement works to contact us about finance.”


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