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 $50,000 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.

*Subject to responsible lending checks.


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.


It doesn’t matter if you’ve bought a newly-built home, a tiny apartment or a fixer-upper – owning your own place brings out the home improvement itch in us all. Here are 10 pieces of advice to help turn your dwelling into a better home.
If you were offered a no strings attached budget, what home improvements would you do? Chances are, a long laundry list of changes come to mind, from refinishing the hardwood floors to adding a new bathroom. Some home improvements, however, are more likely to increase your home’s value than others. With limited home improvement funds, it’s good to consider whether a renovation has a decent return on investment.
Some home improvements are more urgent than others — saving you money immediately or preventing devastating damage. Sometimes it only takes ten minutes or less to make simple changes around the house that boost your living space.
Even if you’re a weekend warrior with a well-stocked workshop, not all home improvement projects are suitable to do yourself (or at least, without the help of a professional). Know your limits, start small if you’re a beginner, and then keep calm and DIY on (if you so wish).
Big projects or small, probably all of us could stand to learn some decent home repair or home improvement skills. (All around the home, there are things we should never have to pay others to fix for us.) Learn new skills and help others at the same time by volunteering or through free clinics and other resources.
Pinterest and Instagram are your friends – get some inspiration by searching for people that have done or organised their own home improvements. You’ll be surprised at some of the neat ideas that will come to mind.
You can’t really improve your home much with just your bare hands (you’ll need a multi-tool at least!). Equip your toolbox with the essential tools for any minor repair or major project, such as basic plumbing tools. Don’t forget your smartphone might be the best DIY tool in your kit.
Unfortunately, most home improvements do not pay for themselves. Doing it yourself will cut down costs, and one of our Home Renovation Loans will help you to improve the value in your home.
About as important as finding a good dentist and finding a good therapist is finding a responsible tradesperson. Horror stories of homeowners being scammed by contractors or having work done so shoddily that it cost thousands of dollars to redo (not to mention the money already spent) can give you the shivers. Vet your choices carefully, get recommendations from friends and neighbours, and ask to see examples of their work.

The more money we save on one home improvement project, the more we have left for all the other ones we want to do. In addition to knowing the remodeling projects that offer the most bang for your buck, know which elements of a project you can splurge or skimp on. You could spend more on items that are hard to replace, such as the bathtub, but can spend less on the taps, for example.

One of the worst things you can do when it comes to home improvements is to start a project without the major details — cost, time, materials, and design — as realistic as possible from the start. Nothing costs more than having to change your designs mid-stream. Use design tools to conceptualise your project and add a healthy buffer (10-15% or more) to your time and financial budget to account for the inevitable surprises.

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. *Subject to responsible lending checks.

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 personal 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%*

Our competitive personal loan rates range from 8.95% - 29.95%. *Subject to credit criteria and the credit profile of the applicant.

Longer Repayment Options

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

Faster Approval Process

Provide us with photo ID and access to your bank statements online, and your personal loan application could be approved in just 1 - 2 hours. *Subject to responsible lending checks.

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 $50,000 Unsecured & Up To $100,000 Secured

Borrow between $1,500 to $50,000 without having to provide security. Personal 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 loan options for you. Get Loansmart!