Renovate Your Home Built on expert advice Lender access Cash Flow strategy Real results
Brisbane Mortgage Broker for home renovation, construction, and upgrades in Brisbane
We Help Brisbane Clients:
- Secure home renovation loans with competitive rates and flexible repayment options
- Access construction-style lending for staged payments during large projects
- Refinance to release equity for renovations without taking on unnecessary debt
- Navigate council approval and lender requirements with less stress
- Structure loans around your cash flow and long-term property plans
- Our expertise
We start by understanding the size and scope of your renovation. From cosmetic upgrades to full-scale construction, we provide clear guidance on whether a personal loan, construction loan, or equity release is the best fit for your situation.
Property values and buyer demand vary suburb to suburb. From Paddington and New Farm to North Lakes, Springfield, and the Bayside, we know which areas deliver the highest return on renovations — and how lenders view each location.
With over 60 banks, credit unions, and specialist renovation loan lenders on our panel, we find the right fit for your project, whether you need a major bank for familiarity or a niche lender with more flexible documentation requirements.
Renovations can be disruptive. We design your loan to suit your income cycle — with interest-only periods, offset accounts, or staged drawdowns to avoid unnecessary interest on funds you’re not yet using.
From council approvals to building contracts, we know exactly what lenders want to see to approve a renovation loan. We prepare everything in advance to minimise delays and keep your builder paid on time.
- Over 60 Lenders
Access to Australia’s Leading Lenders
We work with a wide network of trusted lenders from the big four banks to specialist providers giving you more choice, better negotiation power, and loan options tailored to your goals.
- Our Capabilities
Funding Options Built for Your Renovation Plans
Home Renovation Loans
Whether you’re adding value before selling or creating your forever home, we secure finance tailored to your project size, budget, and equity position.
Equity Release for Renovations
Unlock the value in your home to fund improvements without the high interest rates of personal loans or credit cards.
Renovation + Construction Lending
For structural or large-scale works, we arrange staged-payment facilities that align with your builder’s schedule and keep interest charges in check.
Our process
Understanding You
We start with a real conversation no generic forms. We look at your renovation plans, your budget, and how you want the project to impact your lifestyle or property value.
Assessing Your Position
We review your equity, current loan structure, and property value, plus any approvals or quotes already in place. This ensures the renovation loan application is built on solid foundations.
Planning and Matching
We compare renovation home loans, construction facilities, and equity release options from over 60 lenders. Our focus is on the total cost of finance, not just the rate.
Ongoing Support
We check in during and after your renovation to ensure your loan remains competitive and your structure still works for your future plans.
Testimonials
What Our Clients Say
Renovation Home Loan FAQs
Renovation home loans give you access to funds to improve, extend, or repair your property. They can be structured in different ways — as a lump sum if the work is ready to begin, or as a construction-style loan with progressive drawdowns for staged payments. The right setup depends on your project size, equity position, and lender policies.
Yes. If your property’s value has increased since purchase, you may be able to access that equity to finance renovations. The amount you can release depends on your loan-to-value ratio (LVR) and the lender’s maximum LVR limits. For many Brisbane homeowners, this is the most cost-effective way to fund upgrades without taking on a personal loan.
A renovation loan is a specific facility for construction or improvement works, often with staged payments tied to your builder’s schedule.
Refinancing means replacing your current loan with a new one — potentially at a lower rate — and drawing out extra funds for your project. In some cases, we combine both strategies to secure a better deal and the funds you need.
Absolutely. Lenders will assess your ability to repay based on your business income, but you may need to provide different documentation than PAYG applicants. This could include:
Two years of tax returns or BAS statements
Profit-and-loss statements
Accountant declarations confirming income stability
For major structural changes — such as extensions, adding levels, or significant reconfigurations — council approval is often required before the lender releases funds. Cosmetic upgrades like painting or flooring usually don’t require approval.
Lenders typically order a valuation of your property in its current condition, and sometimes an ‘on-completion’ valuation based on your renovation plans. Your LVR will determine your rate options and whether Lenders Mortgage Insurance applies.
Yes, especially if the works cost more than the property’s post-renovation market value. We help you compare renovation costs to expected market value, understand local buyer demand, and structure your loan accordingly.
Yes. This is common for large projects involving major building works. It allows progressive payments while keeping interest charges only on the funds you’ve drawn.
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