Renovators
Renovations are exciting, tempting and dangerous; getting it right or wrong can set you back financially. We are here to guide you from consideration to completion.
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How we help
Renovating isn't just changing your home; it's changing how you live. Whether you're upgrading a kitchen, adding space, or transforming an entire house, it's a big financial and emotional commitment. Getting the lending structure right is often more important than choosing the right builder.
We know how exciting it can be. However, renovations often never happen or are too late to get the benefit, due to the fear of the unknown.
Questions running through your mind
Should we renovate or relocate?
Should we redesign or rebuild?
Council approval or finance approval first?
Will this renovation actually add value?
How do we manage cash flow during the build?
Construction loan or
cash-out?
Will our property be revalued
post-reno?
Can we access equity?
Renovations almost always cost more and take longer than expected. That's why it's crucial to start with a realistic, well-structured finance plan. One that prepares you for the worst case, when, as expected, things don't go as planned.
We explore:
Upgrade or Renovate?
Is it better to stay with where you know and renovate, or upgrade to a house not needing one in an area. you would prefer?
Renovate or Invest?
Is it better to renovate completely, or hold back and invest in other assets?
Renovate to sell or stay?
Is it better to renovate with sale or staying in mind?
Mortgage Advice
There is more to mortgages than fees and rates; we understand what makes great mortgage advice, and we have a clear culture that provides best practice guidance.
Renovation finance isn’t clear-cut. It’s highly dependent on your equity, property value today and post, builder contract, and personal risk appetite.
Here’s how we help:
Renovate vs upgrade
Not sure if you should improve your current home or buy elsewhere? We’ll map both options financially and emotionally.
Small equity release
Release equity to fund minor renovations, including cosmetic updates, kitchen and bathroom upgrades, and light structural work.
Large equity release
Access a large amount of funds for significant improvements, while maintaining total cash liquidity and decision-making.
Construction loans
For major works, construction finance involves staged drawdowns, interest-only periods, and bank approval before releasing cash.
Cash buffer planning
Build in buffers for blowouts in advance, to avoid relying on credit cards or personal loans.
Valuation strategy
Get early insights into how lenders will value your property pre- and post-renovation.
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Listen to our podcast Australian Property Podcast
We’ve got time to talk
Book a chat with one of the team, and we’ll take it from there.
Selected Awards
2024 The Adviser
#1 Elite Broker Ranking
2024 MPA
#3 Top 100 Broker Ranking
2024 MFAA Excellence
Finance Broker Business Award