Renovation Loans

Home loan expertise to help pay for your home renovations.

Are You Ready to get a Home Renovation Loan?

So you’ve decided to renovate your home but undoubtedly have a lot of questions about how to fund it. You might be wondering how much you can spend, what you can afford to repay, whether the bank lends you enough to pay for your renovation and how you pay the builder.

We’re here to give you all the answers and guide you through the process to get a successful outcome.

We have helped clients finance renovations of all sizes, from large projects like lifting a Queenslander and adding new rooms underneath, through to small renovations like adding a back deck or upgrading the kitchen.

How to Get Started

The most common approach to finance your renovation is to get an increase or top up on your current home loan. Whichever approach we take, we will ensure you get the right loan and that it’s set up properly from the start.

We will show you how to get your finances ready to apply for a loan and advise you how to manage your budget through the renovation.

We have long term relationships with all major lenders and with our expertise in banking policy, you can feel confident that we have a good chance of getting your renovation loan approved.

Best of all, we don’t charge you a fee to use our services as we are paid by the lender when your home loan settles.en your home loan settles.

Top 3 tips

Spend at least six months to a year living in the house before you renovate so you get a feel for it.

If you’re moving out during the renovation, make sure you have a buffer saved to pay rent as well as loan repayments.

Your loan repayments are ‘interest only’ (i.e. lower) during the renovation to help you manage cash your flow.

Our Home Renovation Loan Guide

Here's our simple process on how to get a renovation loan and complete your renovation with less stress.

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Our client experiences with the home renovation process

We understand the key to success in building any property portfolio is your ability to finance any project, big or small. It is important to understand how having the right finance in place can either set you up, or set you back! Kelston Capital is a finance company for property investors by property investors.

We are NOT loyal to the banks or any lender, we are loyal to our customers!
Based on 25 reviews.
David Martinez
David Martinez
2022-03-04
Great service by Jordan and the Kelston Capital team. Prompt resolution and follow through to secure our mortgage in time for settlement. Thanks Jordan!
Mary Evangelista
Mary Evangelista
2022-02-26
I just want to say thank you to Jordan and Jackson for obtaining the right finance for us. They have been very supportive and understand our financial step which is important to us. Thanks again and will get in touch soon. Truly highly recommended!!
Steve Moratti
Steve Moratti
2022-02-26
Jordan & the team at Kelston capital were able to find the right solution for our mortgage requirements and they made the whole process stress free. We will be using them again.
Chantelle Liron
Chantelle Liron
2022-02-12
Both Jordan and Jackson have been incredibly efficient and attentive whilst sorting finance for our investment portfolios. We've had mixed experience with previous brokers but these guys are on it and came highly recommended. We look forward to work with them in the future.
Tim Snell
Tim Snell
2021-12-13
Jordan went above and beyond to help us hit our settlement date. Can't recommend highly enough.
Christi Arbon
Christi Arbon
2021-12-05
Thank you so much to Kelston Capital, especially Broker Jackson for helping me get my first home! Jackson was extremely helpful and available, always fast to reply and assist with my many questions. Made a stressful process much more enjoyable and would not hesitate to recommend his services.
Kelly Knight-Pellas
Kelly Knight-Pellas
2021-11-30
It was such a relief to find Jordan. I was a mortgage broker for a short period of time so I knew enough to know our previous brokers were not on top of things. They weren't looking at our finance needs holistically and heaps of mistakes were made along the way. Things were completely different from the start with Jordan. He got back to me when he said he would. He clearly answered all of my questions so we knew we were making the best decisions. Within three weeks of my first contact with him, he recognised that two of our properties had been undervalued. He requested new valuations resulting in a significant improvement on one allowing us to come out of pocket less for our next purchase. It's looking good for the second as well. Also, in that 3 weeks, he found us a new lender with a better rate for a new purchase. We settled on the property yesterday. From the first time I spoke to Jordan to settlement was just 25 days - an incredible effort for a much better outcome. I can't recommend Jordan and Jackson enough.
Mel Jovanovic
Mel Jovanovic
2021-11-25
Jordan and Jackson at Kelston Capital have been an absolute pleasure to deal with, accessible and knowledgeable have handled the process of refinancing for us from start to finish.... and saved us 2% interest!! Highly recommend.
Ryan Baker
Ryan Baker
2021-11-25
Kelston Capital quickly assessed my financial situation & were able to achieve a result greater than I anticipated, which has helped me acquire further finance for my intended investment properties. I will be using them again for future loans
Leah Avery
Leah Avery
2021-11-25
Jordan and Jackson have been great to deal with, excellent communication, great advice - would definitely recommend