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Fit-Out & Renovation Loans

Fast Pre-Approvals 

50+ Lender’s Offers

Free Consults 

High Success Rates

Now is a great time to begin home improvements, renovations,  or corporate fit-outs than now, with a high amount of competitive lender offers. Our fit-out and renovation loan brokers can assist with  finance from $5K upwards fast pre-approvals, same day funding once approved, and hassle-free contracts. 

Whether it’s a small renovation for the house, or a larger premises fit out for a new business venture, our fit-out and renovation loan brokers can assist. 

A company owner’s cash flow may change throughout the shift to a new facility. You may have to temporarily closure during construction or face general disruptions to everyday operations. Fit-out finance can also include additional funds to pay costs associated with office or retail space design, building, interior décor, furniture acquisition, and installation; including operational cash flow allowances. 

For home owners, financing a renovation can be an arduous task. As with company fit outs, home renovations finance can include all costs associated with the scope of works. This can include temporary accommodation costs, higher utility bills, council costs, and any other levies and fees that may be payable.

Speak to our fit-out and renovation loan brokers today, with our fast pre-approvals, free no-obligation consults, we can assist in finalising your finance, and get you started on your project sooner. 

Building On Your Vision

“We’re having guests…your job is to stick these color swatches on the walls so it looks like we’re doing something about this place.” – Anon

Fast Pre-Approvals

Available Today

Free Consults

Renovation Loans & Fit Out Finance Brokers

Looking to finance your latest home renovation or business fit-out? Let us assist with our renovation and fit-out finance broker service with real world experience of our own fit-outs and renovation projects.

Budgeting is a vital element of starting an improvement project. First and foremost, seek quotations from several vendors and tradespeople to calculate your budget and what you will need to borrow. Taking up a fixed-rate business or personal loan might also help you maintain cash flow throughout the project and control your upfront expenditures. You may then feel at ease knowing exactly what your payments will be. Alternatively, we can look at other loan products and structures depending on your needs, the size of finance needed, and scope of works.

We can assist with all types of renovation and fit out financing whether it’s at home, business, or abroad.  Where as going to a lender will result in only their products, we can easily and quickly summarise current lender offers, and rates, and tailor a solution for you.  This generally not just saves you time and money, but also gives you comfort knowing you have received the best deal for your situation.

We can obtain financing with options that best fit you, with no early exit and repayment fees, and a whole host of other benefits. Enquire for a call back today from one of our credit specialist and ensure you make the right choice on your renovation and fit out loan finance today.

Frequently Asked Questions

What do I need to get started?

All we need to know at a minimum, is estimated monthly income and expenses, current debt balances and repayment amounts, and an outline of what you want to achieve. We can then arrange our complimentary credit consult with one of our loan brokers to discuss how we can best assist you.

How much can I borrow?

This will largely depend on your credit history and monthly income and expenses and other debt facilities you may already have. For larger amounts further documentation may also be needed and we can provide a full document checklist once a quote has been provided. If you want to find out a good idea of borrowing amount, please book one of our online credit consults or give us a call today. One of our loan brokers can then discuss a tailored potential borrowing amount.

What will my rate be?

This is similar to the metrics used to assess borrowing limit. We can advise an estimated rate from our complimentary credit consult, or to receive a more accurate rate, please get in contact with us to arrange your tailored loan quote.

Does my job or location matter?

We can consider income from any industry and job type Australia wide. The location and industry may effect rate and borrowing limits, depending on the risk rating the lenders apply. Generally your credit history, property details, and level of other debt, are more important lender factors.

Do you need tax returns?

For self-employed applicants we have alternative income verification methods. These can utilise bank statements, BAS or accountant declarations to calculate loan borrowing limits and interest rates. Even if recently employed, we can also assist as generally pay slips or an employment contract is all that’s needed. This will all depend upon your loan requirements and other mitigating circumstances which we can discuss when you call.

Fit Out Loans & Renovation Details

We can assist with many types of renovation loans and fit out finance from a large range of lender facilities. Depending on your situation, we can also wrap debt consolidation into new lending if you want to purchase something at the same time, to optimise your loan efficiency.

Our brokers can assist to ensure that all relevant items for financing have been considered, to minimise cash shortages, and ensure that financing will provide a complete appropriate amount for you.

We can usually negotiate no early payment fees and provide low interest rates on all of our loans for either businesses or consumers. Apply today to learn how much credit you may borrow and what the terms of propose finance may look like.

For businesses we also can access lenders with specific industry finance offers. These are generally professional services in finance, law, and health such as doctors, dental, or physiotherapists practices.

Our brokers can also recommend specific franchise lenders, with a list of approved franchise finance that can lend typically high LVRs for franchise purchase and fit-outs.

Start today by arranging a free 30 minute credit consult with one of our loan brokers. From there we can advise how we can assist you, and provide value and benefits around utilising our team for all your finance needs.

Things To Consider

1. Size of Project & Finance

The project type and size will effect the required finance greatly. Smaller projects may just need a standard personal or business loan, however bigger jobs may need a residential construction loan or commercial fit-out premises finance. Our brokers can assist with the most appropriate type. 

2. Additional Funding

If (and most likely when) a project costs more, it’s good to have contingency plans in place. Is there additional money that can be borrowed or accessed, or can some works in the scope be delayed? 

3. Capacity of Repayments

As well as during the work phase, it’s also good to consider how your current and new commitments will look once the works are completed. While a business may rely on an assumed increase in trade, it’s also good to base future budgets off conservative figures. 

4. Other Options

It’s also good to consider other options. For home owners, a home renovation may be better to do in parts, as opposed to an ‘all at once’ approach even if it seems to cost more over the longer period. For businesses the opposite may be true, a larger project that consolidates business disruptions to a smaller window may work out more beneficial. 

What does it take for a renovation loan or fit out finance?


The requirements of each loan first start with working out your needs, wants, and objectives, and then aligning this against your current financial position. From there we can work out which lender, and which of their finance products, is likely going to suit you the best. This will result in different document and verification requirements, which can also be tailored to what is available. We do this all in an efficient transparent way, and generally can show you the top three to five comparisons, and reasons for our finance choice – with the ultimate decision in your hands.

We reverse engineer your financial position, wants and needs, and future objectives, to align you with the most beneficial lender.

Full Doc Loans

  • 2 x Payslips
  • ATO Tax Returns
  • Financial Records
  • 1-2 Years ABN NOAs
  • Clear Credit History

Specialists Loans

  • Exotic assets
  • Non-conforming security
  • Difficult income verification
  • Case by case assessments
  • Special loan needs

Low Doc Loans

  • No tax returns
  • Alternative income
  • Bank statements
  • Short trading history
  • Private lenders

Credit Impaired

  • Discharged bankrupt
  • Listed defaults
  • Late payments
  • Low credit score
  • Limited credit history