Home improvement loans without touching your mortgage.
Renovate now, keep your home loan as it is — one application, 80+ lenders, and fixed repayments for the project you've been planning.
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No credit-score impactHow much do you need to borrow?
Renovate now, leave your home loan alone.
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 non-bank lenders to find a renovation loan that fits.
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 lodge 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.
Why arrange your renovation loan with X Lend.
80+ lenders, one application
We compare the panel in one go to find a renovation loan that suits your project and budget — not just one bank's offer.
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
Know exactly what you'll pay and when, with one predictable repayment for the life of the loan.
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 tell you what's achievable before you apply, so a quote never costs you a credit enquiry.
What you can put it towards.
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
Approved in four simple steps.
Speed wins. Most applications get a decision the same day and funds within 24 to 72 hours.
- 01
Enquire
Send us a few details — no documents needed to start. We tell you what's possible within hours, not days.
- 02
We Find Your Lender
We compare your deal across 80+ lenders and match it to the ones most likely to approve it at the sharpest rate.
- 03
Lender Approval
We package and submit your application, negotiate the terms, and come back to you with a clear approval.
- 04
Settlement
We handle the paperwork, get your documents signed, and your loan settles — funds released to you or the seller.
Common questions, straight answers.
We're a finance broker: we compare a panel of 80+ banks and non-bank lenders and place your home improvement loan with the best fit for your situation.
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.
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.
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.
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.