Finance your renovation with more confidence
Planning a new kitchen, bathroom, pool or extension? Explore finance options with our partner Fundd. Tell us about your project and a Fundd representative will contact you to talk through your options.
An enquiry starts a conversation. Loan approval and terms depend on lender assessment.
Quotes first
Build a clearer picture of your project budget.
Talk to Fundd
Discuss finance for the project you have in mind.
Your decision
Compare the terms before you commit.
Your project, your next step
Plan the work. Explore the finance.
Plan
Your project
Explore
Finance options
Decide
At your pace
Home Improvement Finance at a Glance
Australian financing guide for pools, renovations & extensions
Where should I start with renovation finance?
Start with the work you want done and a realistic project budget. Then talk to Fundd about finance options and compare the written terms before deciding what works for you.
Updated: 9 October 2026
Project budget: Gather itemised quotes and allow for costs outside the main building work.
Finance conversation: Tell Fundd about the project and what you want to explore.
Written costs: Compare repayments, interest, fees and the total amount payable.
Timing: Ask when a decision and any funds could be available before booking work.
Your choice: Take time to understand the terms before committing.
Clear roles: The Wombat connects your enquiry with Fundd. Any loan is assessed by the lender.
Explore renovation finance with Fundd
We partner with Fundd to help you take the next step with your finance enquiry. Request a conversation and a Fundd representative will contact you to explore your options.
What are you planning?
Pool Installation
Plan your pool and installation budget.
Start with itemised project quotes.
Renovations
Bring your kitchen, bathroom or whole-home plans.
Explain the work you want done.
Second Storey
Outline the space you want to add.
Include design and approval costs in your budget.
Other Projects
Tell Fundd about your home improvement plans.
Explore the questions that matter to your project.
From project plans to a finance conversation
Explore project quotes and finance in the same request.
Request your project quotes
Tell us about your renovation and the work you want done so we can look for local suppliers who cover your service and area.
Choose finance in your quote request
Tick “I'm interested in finance options” in your quote request. We will share your enquiry with Fundd, so you do not need to submit a separate finance request.
Talk through your options
A Fundd representative will contact you to explore finance options for your project. Review any written proposal, costs and conditions before deciding how to proceed.
Personal Loans vs Home Loan Top-Up for Renovations
Compare loan types for pools, renovations, and home improvements
Personal loan
A separate loan may be an option to discuss for your project. Personal loans can be secured or unsecured; the lender decides the terms and eligibility.
Ask about:
- Repayments and total cost
- Fees and early repayment
- Any security required
Home loan top-up
If you have an existing mortgage, ask whether additional borrowing is available. Understand how it affects your mortgage and the property used as security.
Ask about:
- Available equity and lender assessment
- The revised mortgage repayments
- Total cost over the loan term
Discuss the options with Fundd and compare the written terms. A longer repayment period can mean paying more interest overall.
Make your next finance conversation count
Start with your project
Bring the plans, priorities and budget you want to discuss.
Talk to Fundd
Connect with a representative from our finance partner.
Compare the details
Look beyond the repayment figure to the fees, conditions and total cost.
Ask about fees
Confirm any broker and lender fees before proceeding.
Plan the timing
Ask what is needed and how the process fits your project schedule.
Decide with more clarity
Take time to review the written terms and choose your next step.
Explore possible repayments
Use MoneySmart's personal loan calculator to explore repayment scenarios. Enter an amount, rate and term, and review its assumptions. Allow separately for fees the calculator excludes. An estimate is not a loan offer.
Open MoneySmart's loan calculatorTake the next step with your renovation plans
Ready to explore finance for your project? Send an enquiry and a Fundd representative will contact you to talk through your options.
Home Improvement Finance FAQs Australia
How much can I borrow for home improvements?
The amount you can borrow depends on lender assessment. Tell Fundd about the project budget and your circumstances, then ask what options may be available. A project estimate is not an approved borrowing limit.
What interest rates can I expect?
Ask for a written rate and cost breakdown for any option you are considering. Compare the interest rate, comparison rate, fees and repayments using the same loan amount and term.
How long does approval take?
Timing varies by lender and enquiry. Ask Fundd what information is needed and what timeframe to expect before arranging project payments. Sending this enquiry does not mean a loan has been approved.
Do I need to own my home to get finance?
Home ownership is not required for every type of borrowing. Personal loans can be secured or unsecured. A home loan top-up involves an existing mortgage, so ask Fundd which options may be relevant to your circumstances.
Are there any fees for using Fundd?
Fundd says its services are usually paid for by lenders, but customer fees can apply in some circumstances. Ask Fundd to confirm any broker fees and how it is paid. Lender fees may also apply to a loan.
Can I finance a project if I have bad credit?
Your credit history can affect a lender's decision. Tell Fundd about your circumstances and ask what assessment would be needed. This enquiry is not an approval or a promise of eligibility.
What documents do I need to apply?
Start by describing your project and the finance you want to explore. Fundd will explain what documents are needed for any next steps. Our enquiry form is separate from a lender's application process.
Should I get quotes before applying for finance?
Itemised quotes can help you prepare a more useful project budget. Compare the scope, inclusions and exclusions, and allow for other project costs. You can request quotes through The Wombat before deciding whether to explore finance.
Get Free Pool & Renovation Quotes Australia
Build a clearer project budget with itemised quotes from local suppliers. Tell us what you are planning and we will look for active suppliers who cover your service and area.
