Renovation Loans

Transform your property without draining savings. Renovation loans release funds based on post-renovation value, letting you borrow more than the home’s current worth.

Who It’s For:

  • Buyers of fixer-uppers.
  • Homeowners upgrading kitchens/bathrooms.
  • Buyers of fixer-uppers.
  • Homeowners upgrading kitchens/bathrooms.

Key Features

Finance up to 95% of renovation costs.

One application for purchase + renovation.

Support for cosmetic updates or structural changes.

Increase your home’s value—See Renovation Loan Options.

Relevant Guides

Government Schemes

Australia offers multiple schemes to help buyers enter the market, from the First Home Guarantee (5% deposit, no LMI) to regional grants like the Regional First Home Buyer Guarantee. These programs change annually, so we’ll help you navigate eligibility and deadlines.

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Low-Doc Loans

Can’t provide full financials? Low-doc loans use bank statements, invoices, or accountant letters to verify income—ideal for those with non-traditional proof of earnings.

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SMSF Loans

Buy property through your self-managed super fund (SMSF) to grow retirement savings. These limited recourse loans protect your other assets if the investment underperforms.

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Low Deposit Loans

Saving a 20% deposit isn’t always realistic—especially in today’s market. Low deposit loans allow you to buy a home with as little as 5% down, using options like Lenders Mortgage Insurance (LMI) or a family guarantor to bridge the gap. While LMI adds a cost, it’s often cheaper than waiting years to save a full deposit.

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