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Need to Fix Up Your Place? A Home Renovation Loan Could Get It Done

Whether it’s the bathroom, back deck or busted roof - access flexible home renovation loans without the hoops and hold-ups from the big banks.

$5,000
$2,500 $100,000

Apply online in minutes.
Fast, no hidden fees.
No impact on your credit score.

Renovate without the bank running the show

The bathroom that needs ripping out. The kitchen’s older than the dog. The deck that’s now more splinter than entertaining area. You want to get on with it, but the bank wants a mountain of paperwork for a loan that’s still a fraction of your mortgage. Our brokers can arrange a home renovation loan outside the big four, designed for homeowners who have assets but might not have perfect credit. 

We compare renovation loan options across our lender panel and arrange the finance from start to finish, with no mortgage top-up and no redraw nonsense. No fees from us, we’re paid by the lender. Borrow up to $100,000 and get on with that overdue reno.

Borrow up to $100,000

Enough for a full reno, not just a cosmetic touch-up.

No mortgage top-up

Standalone personal loan, no refinancing your home loan required.

Perfect credit not required

Lenders on our panel look at your full situation, not just your score.

Any reno purpose

Bathroom, kitchen, deck, roof, fencing, painting, structural repairs.

Flexible repayments

Weekly, fortnightly or monthly, with no penalties for paying out early.

No broker fees

Our service costs you nothing. We're paid by the lender, not by you.

Ready to apply?

It's fast, free, and won't affect your credit score.

Apply Now

Knocked back by the bank? We help homeowners fund renos and repairs, no perfect credit needed.

Tired of living in a house that needs work - but the bank won’t budge?

You know your home needs fixing. The peeling bathroom tiles, the kitchen older than your first car, the deck that’s more “splinter trap” than “entertaining area.” But when you ask your bank for help, all you get is a hard no — or a mountain of paperwork for a tiny loan.

That doesn’t mean you have to hit pause on your plans.

More and more Aussies are turning to home renovation loans outside the big four. Why? Because they’re faster, more flexible, and actually designed for people who’ve got equity - just not perfect credit.

We’ll help you find a renovation loan that fits real life.

Apply online in minutes, and we’ll match you with lenders who get it. Whether you’re fixing, upgrading, or finally putting in that kitchen you’ve been dreaming about, you can borrow what you need and repay in a way that suits your budget. No redraw hassles. No mortgage top-ups. Just straight-up home improvement loans that do the job without making things harder.

Use it for the bathroom, the back fence or the whole bloody reno.

Borrow up to $100K, choose how often you repay, and take control of your reno - instead of hoping the bank eventually says yes. No early payout fees, no guilt trips, just a smart way to improve what’s already yours.

Start making your house feel like home again.

We help Aussie homeowners find better ways to borrow for renovations. Stop putting the reno off for longer - you bring the plans - we’ll help you find the funds.

Benefits

  • tick icon Borrow up to $100,000 for home improvements
  • tick icon For renos, repairs, upgrades, or finishing what you started
  • tick icon Flexible terms with no early payout fees
  • tick icon Weekly, fortnightly or monthly repayments
  • tick icon You don’t need perfect credit
  • tick icon Matched with lenders, not red tape
  • tick icon Suitable for minor upgrades & major renovations
  • tick icon Increase your home value with strategic improvements
  • tick icon Fast approvals so you can start your project sooner
  • tick icon Keep your budget steady with predictable repayments

Get Approved in 3 Simple Steps

Apply online

1. Apply online

Find the loan type that fits your needs - then complete our easy online application form to get started.

We match a lender

2. We source a lender

We partner with multiple lenders, giving you access to loan solutions you won’t always find at the big banks.

get loan approved

3. You get approved!

If you’re eligible, loan approval, signing & funding can happen really fast. Some loan types can take a little longer to approve.

Let’s find the right loan for you! It’s fast, free, and won’t affect your credit score.

Apply Now

Eligibility Criteria

Verify Age & Address

You must be 18 or over and able to verify your residentialaddress.

Australian Residency

You must be an Australian citizen, permanent resident, orhold a valid visa.

Verify Your Income

You’ll need to show a regularincome from work, self- employment, or eligibleCentrelink payments.

Banking & Credit History

You’ll need an active bank account and lenders may review your credit history as part of theirassessment.

We follow responsible lending rules under the NCCP, so lenders check that any loan is suitable and affordable for you. We’re also an AFCA member, so you have access to independent dispute resolution if needed. To apply, you’ll usually need to be 18 or over, live in Australia, have an active bank account, and show regular income. Each lender has its own criteria, and final approval depends on their assessment of your circumstances.

Our Lender Panel

Personal Loan Types & Examples

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Small Loans

Loan Amount
$500 - $2,000

Loan Term
3-12 months

Maximum Charges
20% Establishment Fee, 4% Monthly Fee.

Loan Example

A $1,000 over 3 months repayable weekly.
$1,000 (Principal Amount) + $200 (20% Establishment Fee) + $120 (fees based on 4% per month over 12 weeks) = $1,320 total loan repayable that is in 12 weekly instalments of $110.

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Medium Loans

Loan Amount
$2,001 - $5,000

Loan Term
12-24 months

Maximum Charges
Up to 48% interest rate. Establishment Fee $400.

Loan Example

A $3,000 loan over 12 months in 52 weekly payments. $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,339.40 (interest on reducing balance) = $4,339.40 total repayable over 12 months in weekly instalments of $83.45

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Large Loans

Loan Amount
$5,001 - $100,000

Loan Term
12-84 months

Maximum Charges
Up to 48% interest rate.
Fees vary.

Loan Example

$20,000 borrowed over 60 months repayable weekly. $20,000 (Principle Amount) + $4,904.62 (reducing interest) = $24,904.62 total repayable over 60 months in weekly instalments of $95.42. Interest / comparison rate 8.95% PA.

This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. The information on this web page is general information. The information does not take into account your objectives, financial situation or needs. Credit criteria, fees, charges, terms and conditions apply. Products and rates displayed are subject to the individual borrower’s credit assessment. Examples only provide an estimate and are used for illustrative purposes only, not an offer for credit. The amount you can borrow, the interest rate and fees you receive along the product you qualify for may vary.

Frequently Asked Questions

Still have questions? We’re here to help. Contact our team anytime.