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Get your next big project started

Looking for a low-rate home renovation loan? Handy Finance offers 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

Home improvement loan caculator

Get an idea of what your repayments will look like so you can start planning your next home improvement.

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.
Bathroom
Renovate your home today
Adding a pool or spa
Landscape your yard
Remodel your kitchen

Renovation loans to help kick-start your next big idea

Whether you’re looking to remodel your dream kitchen or put the finishing touches on an expanded living space, a Handy Finance renovation loan can help kick off your project.

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A quote won’t impact your credit score.

Frequently Asked Questions

Basics of Home Renovation Loans

A home renovation loan from Handy Finance can be used for a variety of home improvement projects, including

  • Internal or external home repairs
  • Kitchen or bathroom remodelling
  • New furniture or appliances for your home
  • Swimming pool installation
  • New exteriors
  • Adding storage space to your home
  • Green upgrades and additions to your home – solar panels, better insulation, new windows
  • Adding extensions to your existing house
  • Garden landscaping costs

At Handy Finance, we’ve made getting a home renovation loan as straightforward as possible. You can apply online for your home renovation loan and receive an indicative decision within minutes. Once your loan application is approved, you will receive the funds in your bank account within 24 hours. We offer home renovation loans of up to $75,000, with loan terms of one to seven years.

When considering the best renovation loan, it is important to consider a few key factors. You’ll want to make sure you know the interest rate offered, any fees involved, and how flexible your payment options are.

At Handy Finance, we offer you interest rates and loan terms tailored to meet your specific financial circumstances. Our renovation loan amounts, terms and repayment options are flexible, and our interest rates are fixed. Our team of loan experts are here to assist you through the application process and beyond, ensuring that you end up with a financing option that can bring your dream home improvement project to life.

Using a personal loan for renovations offers several advantages. At Handy Finance, we prioritise quick evaluation and approval of our loans. Once your home improvement loan is approved, funds will be released within 24 hours. It allows you to start your project as soon as possible without waiting to save the total amount. You also benefit from fixed rates and flexible repayment options, helping you budget effectively.

Loan Terms and Amounts

The final amount you borrow is tailored to your needs – so the exact amount will depend on your circumstances and the scope of your project. Handy Finance Home Renovation Loans range between $2000 and $75,000, depending on how much you need, your income and your credit rating.

We offer terms of between one and seven years for our home improvement loans. This means your loan will be repaid in weekly, fortnightly or monthly instalments over one to seven years. You can nominate a loan term when you apply for your loan online.

No, providing security is not necessarily a requirement – at Handy Finance, we offer unsecured and secured loans for home renovation. Whether you are eligible for an unsecured or secured loan depends on your financial circumstances. 

Secured loans use an asset as collateral for your loan. This collateral could be something like a car. Secured loans can result in a lower interest rate, as the collateral acts as security against the loan if you can’t meet your repayment terms. Unsecured loans don’t require security, but you may find slightly higher interest rates.

We only offer fixed interest rates on our loans, including our renovation loans. Fixed-rate loans are completely transparent from day one – because the rate doesn’t change, you know exactly how much you will be repaying and how often for your loan. At Handy Finance, we offer flexible repayment terms. You’ll repay your loan over one to seven years in weekly, monthly or fortnightly instalments.

The final terms of your loan, including the interest rate, are determined by your loan application. Our Handy Finance loan experts will offer you an interest rate based on your credit history and situation. This interest rate is always fixed and is included in your regular loan repayments.

With our free quote, you can find your personalised rate in just a few minutes. Please note that this rate is just an estimate and won’t affect your credit score.

Traditional bank lenders have higher operating costs, resulting in higher rates. At Handy Finance, we’ve invested heavily in technology to cut operating costs, cut turnaround times and give you a better deal on finance.

Application and Approval Process

Once your home renovation loan is approved, Handy Finance works swiftly to ensure the funds are transferred to you as soon as possible. Generally, once you’ve been approved for your home improvement loan, you can access your funds within 24 hours.

Once your home renovation loan is approved, Handy Finance works swiftly to ensure the funds are transferred to you as soon as possible. Generally, once you’ve been approved for your home improvement loan, you can access your funds within 24 hours.

To be eligible for a Handy Finance Home Improvement Loan, you must be:

  • An Australian citizen or permanent resident
  • 18 years of age or older
  • Have no history of financial hardship with other loan providers
  • Have a regular source of income via employment (including self-employment)

Repayment and Fees

You can repay all Handy Finance loans for up to seven years. Repayments are made in weekly, fortnightly or monthly instalments.

Repayments on Handy Finance loans can be made weekly, fortnightly or monthly. You must use direct debit for all scheduled repayments. To make repayments ahead of schedule, log into your borrower dashboard and do so using BPAY.

If financial hardship makes repayments difficult to meet, please contact the Handy Finance team at 1300 990 115 or [email protected].

At Handy Finance, we believe in flexible financing options. We know that financial circumstances can change. This is why our home renovation loans have a $0 early repayment fee. You can pay off your loan faster without any added costs. This includes changing your repayment schedule – if you’d like to move from monthly to weekly repayments, all you need to do is contact our loan specialists, who can arrange this change for you.

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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.

Get a quick quote for your home improvement loan now

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