Whole process was easy and professional step by step. Extraordinary service ...great experience and highly recommended.”

- Malaeola
We Make It Easy
Rates From 8.95%*
We Say Yes More Often

Smarter Loans >>> Faster

Home Renovation Loans

Loansmart provides professional lending without the hassle of a drawn-out process.

  • No quotes or valuations required (99% of the time)
  • Fast decisions (over 90% funded within 24 hours)
  • Borrow up to $30,000 unsecured
  • Borrow up to $100,000 secured
  • 100% easy, online process (no tiresome paperwork)

Planning home renovations is exciting. They let you create the dream home you first envisaged. Having your home renovation loan approved ahead of time ensures you know what funds you have to work with, so you can budget accordingly.


Quick, easy, hassle free loans

  • We won’t make you jump through hoops
  • We work hard to find you a great deal
  • We move fast so you get your funds sooner

With property finance, it pays to look at the big picture and consider all your options. If refinancing your mortgage is the best option for you, we can help with this also.

No hoop jumping required!

At Loansmart we focus on meeting your needs, without making you jump through hoops! Make sure you get the best options for you. Fill in our 3-minute application form, or call one of our experienced loan consultants on 0800 255 155.

Unsecured Home Renovation Loans

This option does not require you to refinance or break your mortgage and is a totally separate loan from your first mortgage.

You don’t need to provide us with details of your renovation, have pre or post valuations, or obtain code of compliance for us to release funds. We provide what you need in one lump sum at the start.

Our team prides itself on finding the right solution for each individual situation.

Smarter Loans >>> Faster

Getting started

The first step is getting your finance in place. Enter the amount you need for your project into our loan calculator. This will give you an estimate of what your monthly repayments and interest rates could be. Your actual interest rate will depend on your financial situation, how much you want to borrow, and the term of your loan. Our team prides itself on finding the right solutions for each client. Make sure you get the best options for you. Fill in our 3-minute application form, or call one of our experienced loan consultants on 0800 255 155.

To provide you with the best lending experience we


Move fast

Most loans can be approved and paid the same day, so long as we have everything we need from you before 3pm.

Make it easy

No need to scan and sign, fill in and upload lengthy documents. All we need is Photo ID and access to your bank statements (we make that super easy and secure too!).

Make it enjoyable

We keep you updated every step of the way, so you always know where you’re at with your application.

Make it affordable

We work hard to find you the best deal we can. After all, we know what a difference those extra savings can mean. Most of our team have personal loans too!

Worried about your finances? We can help

Bank said no?

We may be able to help. Typically banks require a loan-to-value ratio (LVR) of 80%, but we can work with less than that.

Make your home more enjoyable and create a beautiful, comfortable environment with a home renovation loan from Loansmart.

Get A Free Loan Assessment

Loansmart is a highly reputable finance company that’s been lending since 2008. Our experienced lending specialists work hard to get you the best deal. Benefit from fairer terms, fees, interest rates and a team that cares.

Why Loansmart


We say yes more often

Applied elsewhere but been declined? Loansmart provides more options than other lenders. With more options, you have more chances of getting your loan approved.

More options tailored for you

Pay down debt faster and more affordably with lower fees and interest rates. Don’t pay more than you need to and get more options.

Interest rates from 8.95%*

*Subject to credit criteria and the credit profile of the applicant. Rates range from 8.95% - 29.95%.

Longer repayment options

From 6 months to 10 years; up to 5 years for unsecured loans and 10 years for secured loans.

Faster approval process

Provide us with photo ID and access to your bank statements online, and your loan can be approved in just 1 - 2 hours*

Same day payment*

If you e-sign your loan documents by 3pm on a business day, we’ll deposit funds in your account the same day. Depending on your bank, you’ll receive cash that day or the next morning.

100% easy, online process

No need to print, scan or upload statements. We simply send you a secure link that authorises us to view your statements online.

Borrow up to $30,000 unsecured and up to $100,000 secured

Borrow between $1,500 to $30,000 without having to provide security. Loans of up to $100,000 can be secured using a caveat or second mortgage. We can also use vehicles as security, so long as they’re in good condition.
Get the complete package from a team that genuinely cares, and works hard to provide better options for you. Get Loansmart!