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RENOVATION LOANS

Smarter ways to fund those big reno plans

Whether you're updating your kitchen, extending your home or planning a complete transformation, we'll help you explore renovation home loan options that bring your plans to life.

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Renovate with confidence

Understand your borrowing options before committing to your renovation plans.

Make your equity work harder

Explore how the equity you've built in your property could help fund your next project.

Loans that fits your plans

From cosmetic upgrades to major extensions, we'll help you find a loan suited to your renovation.

RENOVATION HOME LOANS

Make more of the home you love

Your home has potential. The right finance can help you unlock it. Whether you're making small improvements or undertaking a major renovation, we'll help you navigate your financing options and find a renovation home loan that suits your budget, property and future plans. From accessing available equity to exploring construction and renovation loan options, we'll guide you through the process from start to finish.

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Renovate your way
Let's make your home even better.
More choice. Better fit
Explore renovation loan options from a range of lenders, tailored to your needs.
WHY CHOOSE FULTON FINANCIAL

Renovation loans made simple

Every renovation is different, and the right way to fund yours will depend on the size of your project, available equity and existing financial commitments. You may be able to access equity in your property, refinance your current mortgage or explore a renovation home loan with staged payments for larger building works. Understanding the costs, loan features and repayment obligations is an important part of making an informed decision.

At Fulton Financial, we take the time to understand your renovation goals and explain the lending options available to you. We'll help compare suitable loans, coordinate lender requirements and manage the application process, so you can focus on the exciting part: creating a home that works better for you.

Access your available home equity
Compare renovation home loan options
Flexible finance for projects big or small
Expert guidance from start to finish
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A SIMPLER WAY FORWARD

How it works

Clear advice and practical guidance at every step of your home loan journey.

Fulton Financial home loan guidance

YOUR HOME LOAN JOURNEY

From questions to clarity.

01   Let's talk

02   Explore options

03   Move forward

Your next step starts here ↗
01

Tell us your plans

Tell us what you're planning, your estimated renovation budget and what you'd like to achieve.

02

Explore your borrowing options

We'll review your financial circumstances, available equity and borrowing capacity to understand your finance options.

03

Compare suitable lenders

We'll explore renovation home loan options, interest rates and loan features to help you find a suitable solution.

04

Prepare your application

We'll help organise the required documents, renovation quotes and building plans, where applicable, before submitting your application.

05

Get your finance ready

We'll guide you through the lender's assessment and approval process, including any valuation or progress payment requirements.

06

Bring your plans to life

With your finance arrangements in place, you're ready to move forward with your renovation. We'll remain available as your needs evolve.

Frequently asked questions

What is a renovation home loan?

Can I use my home equity to fund renovations?

Do I need to refinance to get a renovation loan?

How much can I borrow for home renovations?

Can I get a renovation home loan for a major extension?

Is it better to use savings or a home loan for renovations?

LET'S TALK HOME LOANS

Your next move starts with a conversation.

Buying, refinancing or investing? Tell us a little about what you need and we'll help you explore your options.

Personal guidance, without the pressure.

How can we help?

Leave your details and we'll be in touch.

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^Individual lenders may charge fees to the customer.