80+ lenders, one application
We compare the panel in one process to find a renovation loan that suits your project, budget and available lender options.
108 reviews 5.0
Home improvement loans. Make it yours.
Create more of the home you love. Your broker searches our 80+ lender panel for suitable renovation finance, with clear costs around your project.
- Renovations, upgrades and repairs
- Finance around your project quotes
- Repayments to suit your budget
What have you got planned?
Let’s help you fund it.
A home improvement loan is flexible, homeowners come to us to fund:
Kitchen and bathroom renovations
Extensions and additional rooms
Decking, pergolas and outdoor living
Landscaping, fencing and driveways
Solar, heating and energy upgrades
Flooring, painting and new windows
Pools, spas and backyard projects
Repairs, maintenance and storm damage
What people commonly use it for
The stated home improvement loans purpose helps establish a supportable amount, repayment period and evidence list.
- kitchen renovation
- bathroom upgrade
- solar and battery
- landscaping
- flooring
- repairs
- small extensions
Documents that explain your position
These records show how the proposed home improvement loans repayment fits beside income and expenses and where the funds will be used.
- builder quotes
- trade invoices
- scope of works
- payment calendar
- council approval where relevant
- income records
Checks that decide whether it fits
A lender uses these home improvement loans checks to decide whether the proposed repayment appears affordable and the request meets its rules.
- project budget
- contingency
- milestone payments
- income
- existing mortgage
- requested term
Have something in mind? Let’s talk finance.
Get my free quoteHome improvement loan.
More options. Less legwork.
A new kitchen, a second bathroom, a deck for summer or finally sorting the backyard, the projects that make a house feel like home rarely wait for the perfect moment. X Lend helps you get them done now and spread the cost over fixed repayments. We're a finance broker: one application, compared across 80+ banks and nonbank lenders to find a renovation loan that fits.
No mortgage refinance
Fund the work with an unsecured loan and leave your existing home loan rate and structure exactly as they are.
Fixed repayments, no surprises
Compare the renovation budget with a defined repayment and term before contractors or materials are committed.
Why choose X Lend for home improvement loan?
A home improvement loan is an unsecured personal loan, so there's no need to refinance your mortgage, redraw, or top up your home loan to fund the work. You keep your existing rate and structure exactly as they are, borrow a set amount for the project, and repay it in equal instalments over a term you choose, often far quicker to arrange than reworking a mortgage.
We explain everything in plain English, tell you what's realistic before you apply, and only submit a formal application once you're happy to proceed. Getting an indicative quote never touches your credit file, so you can plan the project with confidence.
Faster to arrange
Skip the valuations and delays of reworking a mortgage and get your project moving sooner.
No early exit traps
We favour lenders that let you pay out early or make extra repayments without nasty fees.
Honest, upfront answers
We reconcile quotes, project timing and affordability before presenting a home-improvement loan option for approval.
Refinancing your mortgage for a reno can mean valuations, delays and a new rate on your whole loan. An unsecured home improvement loan keeps your home loan untouched and gets the project moving sooner.
Work out your repayments.
Then find your finance.
Try an amount and term for your home improvement loan. When you’re ready, we’ll compare the options available to you.
Home improvement loan repayment calculator
Adjust the amount, term and rate to see an indicative repayment.
Estimate only. Calculations include an assumed $990 broker origination fee and $500 lender fee, both financed. Total repayable includes those fees, interest and any final balloon. Weekly and fortnightly figures are equivalents of the monthly estimate. Actual fees and repayment timing depend on your offer.
What rate could I get?
Your quote takes your circumstances and finance requirements into account. Compare your rate, fees and repayments together before choosing an offer.
Find my optionsA real customer.
A plan made possible.
After using their savings for a home deposit, the customer discovered failed bathroom waterproofing that required urgent work and had no remaining cash buffer for the repair.
Home-improvement personal loan · Gold Coast, QLDUrgent bathroom repairs funded one day after approval
Approved on the first lender enquiry and settled, allowing the unsafe bathroom to be repaired immediately while retaining early-repayment flexibility.
- 1 day turnaround
- Finance arranged by X Lend
Historical customer outcome. Vehicle and business images are illustrative.
Find out what’s possible for you.
Get my free quoteYour circumstances.
Your finance options.
We match your circumstances to suitable lenders for home improvement loan. Your broker helps you prepare the application.
What do lenders look at for home improvement loan?
A home improvement loans assessment connects the exact purpose and amount with verified income, regular expenses and credit history. The sections below show the records and decisions that matter for this particular request.
From enquiry to settlement.
We’re with you all the way.
Your broker handles the lender comparison and paperwork for home improvement loan, keeping you informed at each step.
- 01
Tell us your plans
Tell us what you want to finance, how much you need and when you need it. That could include kitchen and bathroom renovations.
- 02
We do the lender research
We help organise builder quotes and trade invoices and check the lender criteria that apply to your circumstances to find lenders that fit your situation.
- 03
Choose your finance
We explain the available rate, term, repayment and security options, including the full cost and how repayments fit your budget. You choose the option to take forward.
- 04
We organise settlement
Your broker coordinates lender conditions, signed documents and payment details, so you can focus on what comes next.
Start with your free quote.
Your broker reviews your enquiry and explains the next steps, usually within one business day. An enquiry does not create a credit check or an obligation to proceed.
Find the finance that fits.
Know what you’re choosing.
Compare the ways you can arrange home improvement loan, with a broker to explain your options.
A clear scope, itemised quotes and staged-payment schedule reduce the risk of borrowing too little, too much or at the wrong time.
Separate essential and optional work
Prioritising the scope makes it easier to set a loan amount and respond if quotes exceed the budget.
Allow for variations
Older homes and structural work can reveal extra costs. Include a reasonable contingency within the project budget.
Match drawdown to payment timing
If the facility provides all funds at once, interest may begin before later project stages are due.
Check the contractor and approvals
Finance approval does not verify licensing, insurance, permits, contracts or workmanship, so complete those checks independently before paying deposits or authorising work.
How to choose an amount and term that make sense
A renovation budget should combine the scope, supplier quotes, payment milestones and a realistic contingency. This keeps the requested finance option aligned with the complete project.
Compare the home improvement loans repayment, upfront and ongoing fees, term, early-payout rules and total amount repaid together. Extending the term may reduce each payment without reducing the overall cost.
What makes the application easier to assess
Income documents for home improvement loans need to match the way the applicant is paid. The lender compares verified income with living costs, other debts and credit-card limits when testing the new repayment.
A clear home improvement loans purpose and itemised cost list show where the funds will go and whether the requested amount matches the actual expense.
What should I have ready before applying?
- Obtain itemised written quotes.
- Map deposit and progress-payment dates.
- Keep a documented contingency.
- Independently check licences, insurance and required approvals.
How we can help.
Illustrative examples of how we approach home improvement loan.
Several trades on one renovation
The project uses separate builders, plumbers, electricians and suppliers.
How your broker helps
We combine the quotes into one cost schedule and line up each payment date with the proposed funding.
What to have ready
Signed quotes, scope of works, deposit invoices and milestone calendar.
Project cost changed after opening the site
Additional work has been identified during the renovation.
How your broker helps
We update the cost schedule, confirm completed payments and assess the remaining amount against current affordability.
What to have ready
Variation documents, paid invoices, revised builder quote and bank statements.
Self-employed homeowner
The applicant's current trading result is stronger than the most recent completed tax year.
How your broker helps
We collect current alternative evidence and compare lenders that can assess the present income position.
What to have ready
BAS, business bank statements, management accounts, tax returns and accountant confirmation.
A word from your broker.
At X Lend, we first make the purchase amount, purpose and comfortable repayment clear. We then compare suitable panel options on the same term and fee basis, explain the total cost and ask the customer to approve the selected lender submission.
Let’s compare your options.
Get my free quotePut your plans in motion.
Keep more cash in reserve.
See how arranging finance compares with waiting or paying the full cost upfront.
With home improvement loan
Use home improvement loan for eligible repairs or improvements without waiting to save the full project cost.
Keep more cash available for overruns and household expenses while completing the home improvement loan project.
Compare the home improvement loan repayment structure against the quoted project budget before work begins.
The cost of waiting.
Essential repairs can worsen and become more expensive when they are postponed.
An unsuitable or incomplete space can continue affecting how the household uses the home.
Funding the full project from cash can leave less buffer for variations and emergencies.
Good finance.
Even better support.
Google reviews
Read reviews on Google Review on Google
Corey was excellent to deal with. He was able to get me a better rate than everyone else, he was very responsive, worked quickly and made the process very easy, even with me asking a million questions. I would definitely use him again next time.
Review on Google
I can’t recommend Corey from X Lend highly enough. From the very first conversation, he was professional, transparent, and genuinely focused on finding the best outcome for me. Corey took the time to explain every step of the finance process in a way that was easy to understand, answered all my questions promptly, and never once made me feel rushed or pressured. I really appreciated how proactive he was, keeping me updated, following up with lenders, and making sure everything stayed on track. What really stood out was how hard he worked to secure a great deal. He compared multiple lenders, negotiated on my behalf, and ultimately achieved a rate and repayment structure that exceeded my expectations. The whole process of purchasing my car was smooth and stress‑free thanks to their expertise. If you’re looking for someone knowledgeable, reliable, and genuinely in your corner, I wouldn’t hesitate to recommend them. I’ll definitely be using their services again in the future :)
Review on Google
Corey helped me through the entire process of getting my dream family car! He was extremely prompt with his responses and had everything organised quickly and smoothly. I made a huge mistake by settling finance on the wrong car (a 5‑seater instead of a 7‑seater), but Corey was incredibly understanding and supportive. He contacted the dealership, lender, and even rearranged my insurance for me. He did all of this without ever making me feel like a hassle, even though I knew I was being a pain! Despite the setback, Corey stayed fast and efficient, kept me confident throughout the process, and managed to get everything cancelled and re‑approved for a higher amount so I could get my actual dream car. I highly recommend Corey. He speaks to you like a friend and genuinely has your best interests at heart. I already had quotes from Toyota Finance and Toyota Insurance, and Corey was able to get both significantly cheaper. Toyota Finance even reviewed Corey’s figures and confirmed they couldn’t beat them. I will never look to another finance company again.
Let us help with
home improvement loan.
Your home improvement loan questions.
Answered.
The details you want to know before taking the next step.
Are you a lender or a broker?
We're a finance broker: we compare a panel of 80+ banks and nonbank lenders and place your home improvement loan with the best fit for your situation.
Do I have to refinance my mortgage?
No. A home improvement loan is an unsecured personal loan, so you fund the work without touching your home loan, you keep your existing rate and structure and repay the project in fixed instalments.
How much can I borrow for a renovation?
It depends on your income, commitments and the scope of the project, but our panel covers everything from a small refresh to a major reno. We'll give you a realistic figure before you apply.
How quickly can I get started?
An unsecured loan is usually much faster to arrange than reworking a mortgage, many applications get a quick decision and can settle within days. We'll tell you the likely timeframe upfront.
Will checking my options affect my credit score?
No. Getting an indicative quote doesn't touch your credit file. A formal application involves a credit check, but we only lodge once you're happy to proceed.
What brands, models or purposes can home improvement loan cover?
Common examples include kitchen renovation, bathroom upgrade, solar and battery, landscaping, flooring, repairs. This is not a restricted list: the lender will still look at the exact item or purpose, the amount requested and your circumstances.
What documents can support home improvement loan?
A lender may ask for project budget, contingency, milestone payments, income, existing mortgage, requested term. You may not need everything on that list. X Lend confirms what applies before anything is submitted.
How does X Lend work through a complex home improvement loan application?
For home improvement loan, we first confirm the transaction, timing and available evidence. We then explain the issues that matter, compare lenders whose rules fit those facts and show the proposed option before any application is submitted.
Keep exploring your options
Reviewed by Corey Marino
FBAA member M-354085 · Diploma-qualified finance broker · Last reviewed 24 August 2026