Join our Referral Partner Program
Join our Referral Partner Program
A renovation loan can come from equity in your home, a top-up of your existing mortgage or a construction-style loan for larger works.
We compare renovation loan options across 50+ lenders, work out how much equity you can access and choose a structure that keeps repayments manageable.
How we work: every application starts with a free conversation about your goals. We then compare rates, fees and features across our lender panel, explain the pros and cons of each option in plain English and recommend the option that suits you. Once you are happy, we prepare and lodge the application, follow up with the lender and keep you informed by phone, text or email until settlement.
Why use a broker? Lenders have very different credit policies. One bank might decline an application that another approves at a sharper rate. Because we work with major banks, regional lenders and specialist lenders, we can match your situation to the right policy the first time, saving you time and protecting your credit file from multiple enquiries.
Tell us about your project and we will map out the best renovation loan approach for you.
Helpful independent resources:
Transform your home with flexible renovation finance — from small upgrades to full home remodels.
Whether you're adding more space, modernising interiors, or improving your property's value, a renovation loan helps you finance upgrades without financial stress. At Kickstart Finance Group, we compare lenders and find the right option tailored to your project and budget.
Get expert guidance and access lenders who specialise in renovation funding.
Speak With a Renovation Loan SpecialistCommon options are topping up your home loan using equity, refinancing to a new lender with extra funds, a construction loan for major structural work, or a personal loan for smaller projects. The best choice depends on the size of the job and your equity.
It depends on your income, existing loan and your home’s value. For larger renovations, some lenders can lend against the expected value of the home once the work is finished.
For most renovation loans, yes. Lenders usually want quotes or a building contract to confirm the cost of the work. For major works, council-approved plans may also be required.
For major structural work, lenders often treat it as a construction loan and release funds in stages to your builder. For cosmetic updates, a simple top-up or personal loan is usually enough.
Well-planned renovations such as kitchens, bathrooms and extra living space often add value, which can also help you refinance later. We can talk through how lenders will view your plans.
Tell us what you need and we’ll compare 50+ lenders for you. No cost, no obligation. Prefer to talk? Call 0422 905 666.
