Fund the reno without touching your mortgage.
Kitchens, bathrooms, solar, landscaping — approved in minutes.
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What Aussies use a home improvements loan for.
- Kitchen and bathroom renovations
- Solar panels and battery
- New flooring, painting, landscaping
- Pool installation
- Extensions and outdoor rooms
Why borrowers pick this loan.
No need to refinance your mortgage
Fixed rate — reno costs don't move on you
Fast enough for tradie deposits
Doesn't require home equity
Am I eligible?
You'll typically need to meet these criteria — final approval is at the lender's discretion.
- Homeowner or renter — no equity required
- 18+ AU citizen or PR
- Stable income
- Fair to good credit
What might it cost?
Home Improvements loan questions.
Do I need to be the homeowner?+
No. Unsecured home improvement loans through LoansAi.au don't require you to own the property or hold equity. Renters improving a long-term rental can also apply.