Renovation Loans

The right renovation can add enormous value — but the wrong finance structure can drain your borrowing capacity or trap your equity.

How the process works

  1. We assess your current equity, borrowing capacity and reno goals.

  2. We structure the right loan(s) — avoiding cross-collateral mistakes.

  3. We help you plan your budget and timeline

Real Senarios

Scenario A — Cosmetic renovation

  • Home value: $600,000

  • Loan: $420,000

  • Available equity to 80% LVR: $60,000

  • Works: kitchen refresh, floors, paint, lighting

  • Expected post-reno value: $675,000–$690,000
    Strategy: Split loan, equity release, interest-only during works.

Scenario B — Buy + renovate

  • Purchase: $530,000

  • Reno budget: $40,000

  • Expected value: $615,000+
    Strategy: Standalone security, separate reno split, refinance within 6–12 months.

What we do

Equity Release for Renovations


Unlock equity without pushing your LVR too high. We run the max-safe equity figures, borrowing capacity and ideal loan splits.

Construction & Cosmetic Reno Loans



Whether you’re replacing a kitchen, adding cabinetry, or doing structural upgrades, we match you with the right lenders for your project type.


Buy + Renovate Strategy



Send us the listing you’re considering. We estimate lending capacity and the right structure for a buy–renovate–sell/hold scenario.

If you’re considering renovating — start the conversation.

Renovations in Perth aren’t “one-size-fits-all”

Perth has one of Australia’s tightest property markets. Stock is limited, construction costs remain high, and most homes needing upgrades sit in the 1970–2000 era.

At Matched Finance, we specialise in renovation and upgrade strategies specifically for Perth’s housing stock, including villas, townhouses, 60s–90s character homes and investment properties.