Home › Renovating & Building

Renovating & Building

Buying, building or renovating?

Q: Can I use my home's equity to renovate?

Usually yes, equity built in your home can often fund an extension or renovation through a loan top-up, refinance or construction loan. The right structure depends on the project size and your circumstances.

We have lenders to suit your individual needs, from purchasing an existing home to a knock-down rebuild or that long-planned renovation.

Book a free chat Call 1300 718 852

Renovation and construction finance releases money for your project, through a top-up, refinance or staged construction loan. SCF Brokerage guides you through the lending options so the budget is sorted before the first trade arrives.

Three paths, one guide.

Purchasing an existing dwelling

Free-standing home, duplex, apartment or granny flat, finance for the home that's already there.

Knock-down rebuild / new build

Love your street but not your house? Have vacant land? Staged construction lending built for the build.

Renovation

An extension, a small reno, an indoor or outdoor project, we guide you through your lending options.

Home renovations checklist

Before you sign with a builder.

Always use licensed, qualified tradespeople, compliant with council requirements and insured
Ask family and friends who've renovated about lessons and tips they'd share
Research styles, colours and finishes you love that fit the budget
Quality inclusions are great, but plan selections against your budget ahead of time
All work should meet standards and carry a builder warranty; re-check contracts before paying any deposit

Run the numbers first. Use our free loan calculators for an instant, obligation-free guide, then we’ll refine it together.

Loan calculators →

FAQs

Renovating questions, answered.

Can I use my home's equity to renovate?

Usually yes, the equity you've built can often fund an extension or renovation through a loan top-up, a refinance or a construction loan. The right structure depends on the project size and your circumstances, we'll walk you through the options.

What's different about construction loans?

Construction loans release funds in stages as the build progresses, and you generally pay interest only on what's been drawn down. They suit knock-down rebuilds and new builds on vacant land.

Our lender panel

All the lenders that matter

We continually review our lenders and their products to make sure we can meet our clients’ needs. Our panel includes more than 20 residential and commercial lenders, major banks, regional banks, building societies, specialist lenders and mortgage originators.

Lender logos shown reflect the panel published by SCF Brokerage. Availability of any lender or product depends on your circumstances.

A real client

Amy had been turned away elsewhere first.

★★★★★

I needed financial help to complete our renovations, and after being turned away by other brokers, I wasn't feeling very hopeful. Sara was incredibly reassuring from the start, knowledgeable…

Amy HazelmanGoogle review · see all 61

Let's get the budget build-ready.

A free chat maps your equity, your borrowing options and the smartest structure for the project.

Start your enquiry Call 1300 718 852