Home Improvement Loans
Tackle that long-awaited renovation with a fast, fixed-repayment home improvement loan. Get a quote in 90 seconds.
Simple terms. No hidden fees.
Early repayment fee
Pay off early and save on interest — there's no penalty.
Monthly fee
Simple, transparent pricing. Never any hidden extras.
Loan durations
Choose a repayment term that suits your lifestyle.
Max loan amount
Borrow from $5,000 up to $50,000.
What is a home improvement loan?
A home improvement loan is an unsecured personal loan used to fund renovations, repairs or upgrades to your property — without having to refinance your mortgage. You receive funds upfront and pay them back in fixed instalments.
What you can use it for
- Kitchen renovations
- Bathroom renovations
- Extensions and additions
- Outdoor and landscaping
- Flooring, painting and styling
- Repairs and maintenance
Start with an obligation-free quote
No paperwork required and no impact to your credit score. Get all the important information you need before you apply.
Personalised rate
Check your rate and repayments before you apply.
Borrowing power
Calculate the maximum amount you can borrow.
Eligibility check
Confirm you're eligible before you apply.
Same-day funds
If you proceed, we offer funding in as little as 60 minutes.
Low rates that beat the banks.
Get a better deal with our bank-beating rates.
Comparison rates are based on a $30,000 unsecured loan over 5 years. Rates are indicative only and last updated for illustrative purposes.
Frequently asked
Do I need equity in my home?
No. Allfund home improvement loans are unsecured, so you don't need to use your home as collateral or have built up equity.
Is it better than refinancing my mortgage?
For smaller projects, an unsecured loan is usually faster and avoids paying interest over the full life of your mortgage.
Can I use it for repairs?
Yes — from urgent repairs to full-scale renovations, the funds can be used however you need.
"Quick, easy and hassle free. I was pleasantly surprised how easy the process was — and being able to make extra repayments without penalty is a big bonus."
LindaVerified CustomerNeed a loan for something else?
Ready to get a quote?
Find out your rate and repayments in under 90 seconds.