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!
Matthew Hahn
Matthew Hahn
2023-08-20
Highly recommend the team, we have had multiple dealings with them and it has always been easy. Jordan has been a pleasure to deal with.
Tarnie Hopf
Tarnie Hopf
2023-08-09
Highly recommend Kelston Capital for all your property needs. Incredibly professional to deal with, communication was above and beyond (thanks Matt), and by far the most efficient team that we have dealt with. A BIG shout out to Jordan, Matt, Sanjeena & Lilli for all of their hard work. Nothing was too difficult for these guys to manage. 10/10! Thank you for helping us secure our new home! Tarnie & Justin
Luke Ebneter
Luke Ebneter
2023-08-08
Having to work closely with lenders to have our overseas income recognised by the lender, the team at Kelston Capital, in particular Matt, put in an amazing amount to get our development loans approved. Matt's constant communication and refusal to take no for an answer was exactly what we needed.
Alexander Hurcombe
Alexander Hurcombe
2023-07-24
Kelston Capital provided fantastic service with easy to understand guidance and prompt and friendly responses. Couldn't recommend more highly!
Abby Coote
Abby Coote
2023-07-04
I highly recommend using these guys. Jackson & Sanjeena were amazing to deal with. They were super helpful and got back to me straight away with any questions I had. They made it very easy to do business with and they exceeded my expectations. They not only emailed back straight away but made the effort to ring me and explain things verbally. I will definitely be using them again in the future, they made the whole process super easy :)
Isaac Miller
Isaac Miller
2023-06-29
Jackson was fantastic to deal with, responded quickly and saved me 1% interest on my excising home loan. Would recommend highly to anyone. Couldn’t of asked for better service
Robyn Finau
Robyn Finau
2023-06-02
Great service from the team at Kelston! Thanks Jackson & Sanjeena for all your support. A+++!
Anthony Dunk
Anthony Dunk
2023-04-26
Great brokers for re-financing your home loan. Very professional and responsive. Highly recommended!
Kerry Paul
Kerry Paul
2023-03-31
What a fantastic team to have by my side. Jordan, Jackson, and Sanjeena, I can't thank you enough. Very professional and helpful throughout the whole process 👏, guiding me seamlessly through every step of the way. I thoroughly recommend Kelston Capital to all, and I look forward to the next project. Cheers legends 🙌
Danial Ibrahim
Danial Ibrahim
2023-03-30
Can not highly recommend these guys enough. They have made every experience smooth sailing.