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.
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.
How We Help Renovators
From dreaming to drawing down, here's how it works.
- 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 - 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 - 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 - Step 4
Approval & Drawdown
We lodge, get approval, and coordinate drawdowns to suit your project, whether one lump sum or staged.
3–5 weeks - Step 5
Post-Reno Review
Once the renovation is complete, we revalue and check whether you can drop your rate or restructure.
After completion
Frequently Asked Questions
Got a Project in Mind?
Book a free chat. We'll show you what your home can fund, and how to structure it cleanly.