Home Renovation Loans
Get the Funds You Need – $10,000 to $1,000,000 for Renovations
Beating the banks on rates, speed and service.
Instant Cash Boost! Up to $100K at Lightning Speed.
Start almost anything
What we offer
Loan amount
$10,000 - $1,000,000
Interest rate from²
4.95% p.a.
Comparison rate from³
5.15% p.a.
Establishment fee⁴
$275 or $575
Repayment frequency
Weekly, fortnightly, or monthly
Early repayment fee
$0
Loan terms¹
3, 5, 7 or more years
Rate type
Fixed rate
Lightning FAST funding
Typically less than 5 minutes
Loan type
Unsecured & Secured
Flexible Repayment Freedom
Decide how much you want to borrow and pay back over a time that you choose. We never charge monthly or early repayment fees.
How to apply
01
Get to know you
Tell us about the Home Renovation Loans you want, then provide us with some details about yourself and your finances.
02
Get your quote
We’ll give you a detailed quote with your interest rate, borrowing limit and repayments
03
Get your money
After accepting the terms and providing some final details, most people receive their money in less than 5 minutes after loan acceptance.
Transform Your Home with a Smart Renovation Loan
Your home is more than just a place to live — it’s where your life happens. Whether you’re dreaming of a modern kitchen, stylish bathroom, new flooring, or outdoor upgrade, Loan Apply helps you turn those ideas into reality with our flexible Home Renovation Loans.
We make it easy for Australians from all credit backgrounds — good, fair, or bad credit — to access renovation funds without the stress of lengthy applications or hidden fees. With loan amounts from $10,000 to $1,000,000, we connect you to lenders who understand your needs and approve loans fast.
💡 Why Choose Our Home Renovation Loans
At Loan Apply, we believe everyone deserves to live in a home they love. Our renovation loans are designed with flexibility, transparency, and speed in mind. Here’s why thousands of Australians trust us:
- ✅ All Credit Types Welcome – Apply confidently, even with past credit challenges.
- ⚡ Fast & Simple Approval – Quick online application and rapid decisions.
- 💰 Flexible Loan Options – Choose an amount and repayment plan that fits your budget.
- 🧾 No Hidden Fees – Clear terms and no early repayment penalties.
- 🏠 Use Funds Your Way – Renovate, extend, repair, or improve your property as you like.
Whether you’re renovating your home to enhance comfort, increase resale value, or update your investment property — we’ve got the right solution for you.
🧭 How Our Process Works
Getting a renovation loan through Loan Apply is fast, secure, and stress-free:
- Apply Online in Minutes – Fill out our simple and secure online application form.
- We Match You to a Lender – Based on your financial profile and renovation goals.
- Get Approved Quickly – Many applicants receive approval within 24–48 hours.
- Start Renovating – Access your funds and begin turning your house into your dream home.
We’ve simplified the process so you can focus on your project, not paperwork.
👷 Who Can Apply for a Home Renovation Loan
Our loans are open to homeowners, property investors, and individuals looking to finance upgrades or repairs.
If you’re over 18, have a steady income, and live in Australia, you can apply — even if you’ve been turned down elsewhere.
Whether you’re self-employed, employed full-time, or working part-time, we’ll help you find a suitable lender from our trusted panel.
💬 Make Your Home the Way You Want It
Renovating your home shouldn’t be out of reach. With Loan Apply, you can make affordable upgrades and add long-term value to your property.
From small repairs to major remodels, we’re here to help you achieve your dream home — faster and easier than you thought possible.
Apply today for a Home Renovation Loan between $10,000 and $1,000,000 and start building the home you’ve always wanted.
Get a quick estimate
Loan Calculator
Estimated Monthly Repayment
Total Payment: $0
Total Interest: $0
Ready to apply?
Click the button below to apply for a loan.
What our customers say
FAQs
Can I apply with bad credit?
Yes. We help people with all types of credit histories find suitable renovation loans.
How much can I borrow?
You can borrow anywhere from $10,000 to $1,000,000 depending on your eligibility.
What can I use the funds for?
You can use your renovation loan for repairs, extensions, new interiors, landscaping, or full remodels.
Are there any hidden charges?
No, our process is fully transparent — no hidden costs or surprise fees.
How soon can I get approved?
Many applicants receive conditional approval within 24 to 48 hours after applying.