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Home renovation loans
Handy home renovation loans like our unsecured personal loan could help you turn your dream home into a reality sooner.
Home renovation loans
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Bring projects to life with a home improvement loan
Whether you’re planning a kitchen transformation, a new deck or an overhaul of your interior style, our home improvement loan option could give you fast access to the funds you need.
An unsecured personal loan can provide flexibility and certainty to help you get your renovation project underway.
Borrow up to $80,000
Receive money quickly
Simple online application
Loan terms of 3, 5 or 7 years
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Need a personal loan for your renovation? Check your rate today
At Liberty, we understand home renovations can be a substantial undertaking. That's why we offer tailored lending solutions to suit your needs.
A Liberty personal loan for renovation purposes provides the certainty of fixed repayments and no early exit fees if you decide to pay out the loan early.
With our online rate estimate, you can quickly find out what rate applies to you. Checking your rate won’t affect your credit score.
Easy to understand features, variables and fees
Features
Accepted purpose
Fees
How can I use a home improvement loan?
Let's delve into the world of renovation and how Liberty could support your makeover journey.
Bathroom upgrade
Fresh fixtures, tiles, and fittings can help you create a serene retreat tailored to your taste. Plus, an updated bathroom could be a major selling point.
Kitchen revamp
Remodelling a kitchen can be exciting and satisfying. New appliances, cabinets, lighting and more could transform your kitchen into the ideal space for cooking in style.
Room additions
As your family grows, why shouldn't your home? Consider building an extension to potentially add value to your home and make for more comfortable living.
Energy efficiency
Want to help reduce your energy consumption while increasing comfort at home? Consider upgrading insulation or installing solar panels to create a more sustainable property.
Fresh furnishings
Complete your home and personalise your space with a selection of furniture, lighting, art and decor. You can breathe new life into a room of any size with the right furnishings.
Decking project
Expand your living space and create an outdoor sanctuary for relaxation and entertainment. The right deck could make your home a destination for gatherings and add value.
Our innovation and flexible solutions have helped over 850,000 free thinkers.
Ready to get moving?
Wherever you are in your journey, help is here however you need it.
Calculate your repayments
Our calculator can help you work out what your loan repayments could be.
Get your personalised rate
Get a personalised interest rate in 2 minutes with our online application. Checking your rate won't affect your credit score.
Apply online
Our streamlined application is fast and fuss free with funds delivered quickly.
Home improvement loan FAQs
Home renovation loans can offer financial flexibility, helping you transform your house into your dream home without worrying about upfront costs. You can spread the expenses over a set term, using fixed repayments that align with your financial situation. Investing in home improvements could see you not only upgrade your living space but also boost your property's value, which could be beneficial if you plan to sell in the future.
Our home improvement loan option could be ideal for getting your project underway. With a Liberty unsecured personal loan, you could cover the costs of materials, labour, and other expenses related to your home renovation project. If your online application is approved and you accept the personal loan offer, the funds will be deposited as a lump sum directly into your account. It’s that simple!
Anyone over 18 years who is a citizen or permanent resident currently living in Australia can apply for a Liberty personal loan for renovation purposes. Applicants need to be employed and earn a minimum of $20,000 per year (the majority of your income cannot be from Government benefits) to be eligible.
The repayment terms for personal loans can vary, with options of three, five and seven years. Shorter loan terms may come with higher monthly payments, but you could save on overall interest. While longer terms can reduce monthly payments, they may result in more interest paid over the life of the loan. Consider your financial situation and choose a term that aligns with your circumstances.
With our fast online process, you can get a personalised rate in under 2 minutes and easily apply online for a personal loan. If you accept your personal loan offer by 3pm, we’ll send your funds the same day. If you are with a major bank, you should receive the funds in your account on the same day. Otherwise, you’ll likely receive the funds the following day. To find out what your personal loan interest rate will be, check your tailored rate here. It takes just two minutes and is completely obligation free.
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Book a call back
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We’re highly awarded. But don’t just take our word for it...
Experts in finance for free thinkers
Learn more about free-thinking home improvement loan options.
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Explore different ways to cover the costs of your next home upgrade.
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All you need to know about personal loans: How they work, and how to go about getting one.
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Looking to add value to your home? Here are some easy upgrades that can help.
Things you should know:
2AOther fees and charges may apply, such as dishonour and late fees.
3BThis fee ranges from between 0% to 5.50% of the loan amount, depending on your risk band. The fee is capped at $950.
Approved applicants only. Lending criteria apply. Fees and charges are payable. Copyright © 2024 All rights reserved | Liberty Financial Pty Ltd ABN 55 077 248 983 | Credit provided by Secure Funding Pty Ltd ABN 25 081 982 872 | Australian Credit Licence 388133 | Both trading as Liberty Financial.