Renovation

Mortgage Advisory

Let your existing equity fund the dream renovation.

Unlock the equity in your home to fund renovations and increase your property's value.

Transform your current home.

Whether you're looking to update a kitchen, add an extension, or fully modernize your property, a renovation loan allows you to borrow against your home's equity to create the living space you've always wanted.

How we support you:

  • Equity Assessment:

    Calculating exactly how much you can borrow based on current valuations.

  • Construction Pathways:

    For major structural renovations, we help secure progressive drawdowns.

  • Budgeting:

    Ensuring your lending structure aligns with your builder's payment schedule.

Home Renovation
Funding snapshot

What we assess before you start your renovation.

Equity Position

We review your current property value alongside your lending position to understand how much usable equity is available. This ensures your renovation is financially supported from the outset.

Contingency Planning

We structure your funding to include a sensible contingency buffer, helping protect your project against unexpected costs and keeping everything on track.

End Value Strategy

We assess the potential uplift in your property’s value after renovation, ensuring the numbers align and your investment makes financial sense long-term.

Light cosmetic refresh

Perfect when you only need funds for bathrooms, paint, or flooring upgrades.

  • Often funded via top-ups against existing lending.
  • Short term interest only periods.
  • Fast revaluation once complete.

Structural renovation

Extensions, second stories, or reconfiguring layouts typically require progressive draw financing.

  • Builder fixed price contracts reviewed.
  • QS reports where required by the bank.
  • Stage payment schedules aligned to drawdowns.

Live-in renovation

Keep living in the property while works proceed by structuring lending so cash flow remains predictable.

  • Split facilities for rent/mortgage cover.
  • Insurance review in line with construction works.
  • Exit strategy once project completes.
Build timeline

How we keep renovations funded end to end.

1. Scope + valuation

We collect plans, costings, and arrange either a desktop or full valuation to confirm available equity.

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2. Bank approval

Submission includes builder credentials, consents, and timeline so the lender can approve staged drawdowns.

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3. Draw monitoring

We coordinate QS or valuer sign-offs before each payment and keep you updated on remaining contingencies.

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4. Completion review

Once the project is signed off we convert lending back to standard terms and prep the property for revaluation.

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Renovation FAQs

Answers before you demolish a single wall.

Banks prefer to see a lodged consent for structural work. We can still seek conditional approval earlier, but final drawdowns will rely on consent paperwork.

Absolutely. We will structure staged payments so your cash is used first, keeping interest costs down while the loan funds the later, larger invoices.

As soon as code of compliance is issued, we order an updated valuation to capture the uplift and potentially refix under better pricing tiers.

Let's unlock your borrowing power.

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