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.

Funding snapshot

What we calculate before the first hammer swing.

Average equity unlocked $210k

Combining updated valuations and completed project costings so you are not short mid build.

Contingency allowance 12%

We push lenders to include at least a 12% contingency on progressive drawdowns to cover hidden surprises.

Valuation uplift target +18%

Our feasibility modelling ensures the finished value improves by at least 18% so the lending still stacks up.

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.

2. Bank approval

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

3. Draw monitoring

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

4. Completion review

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

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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