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Renovate your kitchen or bathroom with confidence

The bathroom and kitchen are two of the busiest rooms in the house – you’ll want to make sure they’re kept in top shape. Renovations can be costly – if you’re looking for a low-rate bathroom and kitchen renovation loan, you can trust Handy Finance! We offer no-obligation pre-approvals within minutes, so you can start planning your next big renovation project with confidence.

$2-75k Loan Amounts

$0 Monthly Fees

$0 Early Repayment Fees

1-10 yrs Flexible Loan Terms

The Process

3 quick and easy steps to securing your loan

Get a Free Quote

Obtain an indicative rate quote in minutes, without impacting your credit score!

Apply in Minutes

If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.

Get Your Funds

You will receive an indicative decision in seconds. Once approved funds should be in your account within 24 hours

Get a quote
Get a Free Quote icon
Get a Free Quote icon
Get a Free Quote icon

Get a Free Quote

Obtain an indicative rate quote in minutes, without impacting your credit score!

Review
Apply in Minutes icon
Apply in Minutes icon
Apply in Minutes icon

Apply in Minutes

If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.

Get funds
Get Your Funds icon
Get Your Funds icon
Get Your Funds icon

Get Your Funds

You will receive an indicative decision in seconds. Once approved funds should be in your account within 24 hours

Bathroom and Kitchen renovation loan calculator

Estimate how your repayments could look like so you can start your journey to a greener future with complete transparency.

Calculator
Calculator
$25000
4 Years
Select repayments type
Your Repayments From
$254.85
per week
This will not impact your credit score
Indicative Rate From
6.57%
Comparison Rate From
7.19%
The interest rate and repayment amount are estimates only and are based on the information you have provided. Your actual interest rate and repayment amount may be different. Terms and conditions, fees and charges and eligibility and lending criteria apply.
Fund
The interest rate and repayment amount are estimates only and are based on the information you have provided. Your actual interest rate and repayment amount may be different. Terms and conditions, fees and charges and eligibility and lending criteria apply.
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Kitchen and Bathroom Loans

Turn your kitchen and bathroom dreams into reality with Handy Finance’s renovation loans. Our loans are designed to make your home improvement projects hassle-free and affordable. You can use these loans to renovate your kitchen or design your dream bathroom, creating a modern and functional space that suits your needs and style.

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A quote won’t impact your credit score.

Frequently Asked Questions

Understanding bathroom and kitchen renovation loans

You can use a Handy Finance bathroom and kitchen renovation loan to fund various aspects of your project, including:

  • Installing new fixtures and fittings to give your space a fresh, modern look.
  • Updating plumbing and electrical systems for improved safety and functionality.
  • Purchasing modern appliances to enhance the efficiency and aesthetics of your kitchen or bathroom.
  • Replacing tiles or flooring to create a cohesive and appealing design.
  • Expanding or reconfiguring the layout to better suit your needs and lifestyle.
  • Adding a fresh coat of paint and decorative touches to achieve your desired style.
  • Incorporating energy-efficient features to reduce your ongoing utility costs. These costs can also be covered by a green loan, which has been designed to support you in making more sustainable choices. You can use this loan to cover the cost of installing solar panels or upgrading your appliances to more sustainable models.

 

Our flexible loans provide the financial freedom to cover all the necessary expenses to create your dream kitchen or bathroom, making your renovation journey hassle-free and rewarding.

Eligibility and application process

While Handy Finance doesn’t require you to submit a highly detailed renovation plan, having a clear idea of how you plan to use the loan amount for your bathroom or kitchen renovation project is important. This will help you stay focused on your renovation goals and make sure that every dollar is spent on completing the essential details of your new space.

Applying for a Handy Finance Home Renovation Loan is a simple process designed to make your renovation process stress-free and efficient. You can submit your application online and receive an indicative decision within minutes. Once your loan is approved, the funds will be transferred to your designated bank account, typically within 24 hours. You can get started on your renovation project without any unnecessary delays.

Loan terms and conditions

Handy Finance offers competitive fixed interest rates for bathroom and kitchen renovation loans. These fixed rates provide stability and transparency, letting you plan and budget your repayments. The exact interest rate of your loan will depend on various factors, including your credit rating, financial circumstances, and the loan amount you request. If you’re curious as to what loan terms you might be offered, you can use our personal loan calculator to calculate an estimation of what your final rate and repayments might be.

At Handy Finance, we understand the detail needed for all types of renovation projects, whether small or large. That’s why our renovation loans range from $2,001 to $75,000, allowing you to choose the loan amount that best suits your renovation needs and budget. Whether you’re planning a minor bathroom facelift or a major kitchen transformation, our loan options can fit projects of all sizes.

Our credit experts will offer a loan term that aligns with your budget and renovation timeline, with options from one to seven years. You’ll repay your loan over this term in weekly, fortnightly or monthly instalments. This flexibility ensures that your repayments remain manageable while accommodating your financial circumstances.

Handy Finance doesn’t charge any penalties for early repayment of your renovation loan. We understand that your financial circumstances may change, and you may want to repay your loan sooner than planned.

Managing the loan and renovation process

Once your bathroom and kitchen renovation loan is approved, we prioritise efficiency to ensure that the funds are transferred to your designated bank account within 24 hours. This quick turnaround time enables you to begin your renovation journey promptly, giving you the ability to purchase materials, hire contractors, and get started without unnecessary delays.

With Handy Finance renovation loans, you can choose how you allocate the funds for your renovation project. Depending on your preferences and skills, you can use the loan for either professional renovation services, DIY projects or a mix of both.

If your renovation costs exceed the loan amount, you have several options to consider. You can cover the additional expenses using your own savings or explore other financing options to bridge the gap. Handy Finance understands that unexpected costs can arise during renovations, and our goal is to provide you with the financial support and flexibility you need to complete your project successfully. If you require additional funding beyond your initial loan amount, please don’t hesitate to contact us, and we can discuss potential solutions tailored to your specific circumstances.

If you encounter financial challenges during the repayment period of your bathroom and kitchen renovation loan, Handy Finance encourages you to contact our dedicated team. We understand that unforeseen circumstances can affect your ability to meet your regular repayments, and our team is here to assist you. We can work together to adjust your repayment schedule or find alternative arrangements that align with your current financial situation.

No, there aren’t any restrictions on the types of home renovations you can make with this loan. However, other Handy Finance Personal Loans may better fit the upgrades you want to make. If you want to install a pool or spa at home, consider our pool and spa loan. Thinking about installing solar panels or upgrading your large appliances to be more environmentally friendly? Our green loan (which has an extended loan term of one to 10 years) has been created with these expenses in mind. Talk to the Handy Finance credit team today to learn more about the options that better suit your financial needs and goals.

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Have questions? Handy Finance can help

For more information about loans with Handy Finance, check out our helpful resources, get in contact with our team on 1300 990 115 or complete our online enquiry form.

Ready to start with sustainability? Get your green loan rate today

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A quote won’t impact your credit score