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Home Improvement Loan

Start your home improvements - painting, landscaping, new appliances and more

There’s always something that needs doing around the house…

Whether you’re planning a new kitchen, updating your furniture or considering a loft conversion, a home improvement loan could help you get what you want, when you want it.

Why get an HSBC Home Improvement Loan?

  • Separate to your mortgage
    If you aren’t interested in taking out Home Equity on your mortgage, you can use an HSBC Home Improvement Loan as an alternative that won’t affect the terms of your existing agreement.
  • 100% financing
    Enjoy a zero down payment on the full amount of your loan.1
  • Flexible terms
    Choose from a variable interest rate and repayment terms between 1 and 5 years.

1A loan is subject to formal credit approval with HSBC.

  • Competitive interest rates
    Get interest rates starting at 6.25%. Plus, make overpayments without charge, which may reduce the amount of total interest you pay.
  • Save $200 when you apply online
    Apply for a Home Improvement Loan using online banking and have the $200 negation fee waived.

Interest rates

Frequently Asked Questions

Eligibility criteria

This product and service is offered only in the jurisdiction of Bermuda by HSBC Bank Bermuda Limited and the material presented is not intended for use by persons located in or resident in other jurisdictions.

Apply for a Personal Loan

Apply online and save $200

For joint applications please make an appointment or call us today on +1 441 299 5959.

You must be registered for online banking to complete an online application form.

To apply online

  • log on to online Banking
  • choose Our Products > Online Applications from the top navigation, or select ‘Apply for an HSBC personal loan’ from the banner at the bottom of the page.

After you have submitted your application, we will begin the review process on the next business day.

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Apply online to enjoy all the benefits of an HSBC Bermuda bank account.


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Choose from loans at great rates, for greater flexibility.


Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority.

Listening to what you have to say about our services matters to us.