In many instances home improvement loans can be added to your mortgage. However when the amounts are relatively small it makes sense to fund your home improvement expenses with an unsecured personal loan.

Loans can be arranged from $500 with a minimum term of 12 months – Maximum 7 years. Interest rates start from 11.95% per annum for a secured personal loan.

Why not check out our personal calculator to work out your repayments.

To be eligible for a personal loan you must:

• Be over 18 years old
• Be an Australian Resident
• Must earn a minimum of $770 per month after tax and can demonstrate capacity to repay a loan
  • Be employed:
  • if employed on a casual basis, must be employed for a minimum of 12 months
  • if self employed must have written evidence of income for a minimum period of 24 months
  • if employed as a contractor have written evidence of income for a minimum period of 24 months

We cannot help:

• Minors
• Unemployed
• People with unreliable income 
• Centrelink recipients without security
• Current bankrupts
• People with more than one registered default or judgment
• A person convicted of a criminal offence that has not completed his/her sentence
• People who are not the primary customer on the loan contract