JP Mortgages
Renovators

Renovate the
Home You Already Love.

Whether it's a cosmetic refresh or a full structural reno, we'll structure your finance to fund the project without overstretching.

Get StartedCall 0410 123 201
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Funding Options

More Than One Way
to Fund a Reno

There's no single best loan for renovating. We pick the right structure based on the size of your project and your equity position.

  • Equity Release / Top-Up

    Tap equity from your existing home loan to fund a smaller reno. Often the cheapest and simplest option.

  • Construction Loan

    Larger structural renos may need a construction loan with progress payments to your builder. We handle every drawdown.

  • Refinance Plus Cash-Out

    Re-evaluate your home loan and pull out additional funds for the project. Sometimes you can drop your rate at the same time.

  • Smaller Project Lending

    For cosmetic renos under $50K, we can recommend short-term options that don't require revaluing your property.

The Process

How We Help Renovators

From dreaming to drawing down, here's how it works.

  1. Step 1

    Tell Us About the Project

    Cosmetic, structural, extension? We'll talk through scope and budget, and tell you what's realistic.

    30 minute chat
  2. Step 2

    Equity & Borrowing Check

    We check how much equity you can access and what your serviceable borrowing capacity looks like with the new debt added.

    Same day
  3. Step 3

    Loan Structure Choice

    Equity release, construction loan, or refinance with cash-out, we lay out the options and you choose.

    We walk you through it
  4. Step 4

    Approval & Drawdown

    We lodge, get approval, and coordinate drawdowns to suit your project, whether one lump sum or staged.

    3–5 weeks
  5. Step 5

    Post-Reno Review

    Once the renovation is complete, we revalue and check whether you can drop your rate or restructure.

    After completion
FAQ

Frequently Asked Questions

It depends on the equity in your current home and your serviceable income. Most lenders let you borrow up to 80% of your home's value, and sometimes higher with mortgage insurance. We'll model your specific position.

Only for larger structural projects, additions, or anything requiring building permits and progress payments. Smaller cosmetic renos can usually be funded by equity release or refinance with cash-out.

Lenders typically use the 'as-is' value (current value) plus the 'on-completion' value (after the renovation). The latter often unlocks more borrowing, but expect a fixed-price building contract for larger projects.

Yes, but lenders are more cautious. Equity release works fine, but construction loans for owner-builder projects are harder to find. We'll tell you upfront whether your project fits owner-builder lending.
Ready When You Are

Got a Project in Mind?

Book a free chat. We'll show you what your home can fund, and how to structure it cleanly.

Get StartedCall 0410 123 201