Personal Loan
Interest rate from
6.12% p.a.1
Comparison rate  from
6.39% p.a.*

Have you been dreaming of renovating or expanding your home, adding a swimming pool or would love to upgrade your bathroom or kitchen? Our unsecured Home Improvement Loan may be able to help turn your renovation dream in to reality.

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Apply online and get an instant response

Features and Benefits

  • No monthly account keeping fees
  • Pay your loan out early without penalty
  • Borrow from $1,000 to $50,000 with loan terms from 1 to 10 years
  • Use your money your way by making extra repayments without penalty and redraw your money as you need it
  • Unsecured loan
 
     
 
 
 

Purposes Covered by Home Improvement Loan

  • It can be used for a number of fixed home improvement or renovation purposes on the house you live in or for your residential investment property (except owner-builders). Please note we require quotes/invoices of eligible purchases prior to funding (for approved loans only). 

 

  • Eligible purposes for fixed home improvement and renovations could include (but not limited to):

               Swimming pools

               House extensions

               Landscaping/ fencing

               Flooring, roofing and blinds

               Upgrades to kitchens, bathrooms or other rooms

               Upgrades to heating, ventilation and air conditioning

 

  • Purposes which are non-fixed and are not eligible could include (but not limited to):

               Purchasing soft furnishings and/or appliances

               Repairing furniture or appliances

               Interior decorating       

Eligibility

You can apply for a loan if you:

  • Are over 18 years of age
  • Have a regular income
  • Are not bankrupt
  • Are an Australian citizen or permanent resident
  • Have not had defaults on Loans, Credit Cards, Interest free finance or Store cards in the last 5 years
  • Have been in your current job longer than 6 months

 

What you may need to apply:

  • Your personal details, such as your current and previous address, phone number and email address
  • Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have.

 

Self employed

Community First Credit Union is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts. Find out more here.

Rates

Picture of Home Improvement Loan

Home Improvement Loan

Variable rate up to 5 years
Interest rate from
6.12% p.a.1
Comparison rate  from
6.39% p.a.*
Picture of Home Improvement Loan

Home Improvement Loan

Variable rate up to 10 years
Interest rate
8.10% p.a.1
Comparison rate
8.37% p.a.*
How to apply
You can choose to apply online, over the phone, or by visiting one of our Financial Services Stores.
Features and Benefits
  • No monthly account keeping fees
  • Pay your loan out early without penalty
  • Borrow from $1,000 to $50,000 with loan terms from 1 to 10 years
  • Use your money your way by making extra repayments without penalty and redraw your money as you need it
  • Unsecured loan
 
     
 
 
 
Purposes Covered by Home Improvement Loan
  • It can be used for a number of fixed home improvement or renovation purposes on the house you live in or for your residential investment property (except owner-builders). Please note we require quotes/invoices of eligible purchases prior to funding (for approved loans only). 

 

  • Eligible purposes for fixed home improvement and renovations could include (but not limited to):

               Swimming pools

               House extensions

               Landscaping/ fencing

               Flooring, roofing and blinds

               Upgrades to kitchens, bathrooms or other rooms

               Upgrades to heating, ventilation and air conditioning

 

  • Purposes which are non-fixed and are not eligible could include (but not limited to):

               Purchasing soft furnishings and/or appliances

               Repairing furniture or appliances

               Interior decorating       

Eligibility

You can apply for a loan if you:

  • Are over 18 years of age
  • Have a regular income
  • Are not bankrupt
  • Are an Australian citizen or permanent resident
  • Have not had defaults on Loans, Credit Cards, Interest free finance or Store cards in the last 5 years
  • Have been in your current job longer than 6 months

 

What you may need to apply:

  • Your personal details, such as your current and previous address, phone number and email address
  • Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have.

 

Self employed

Community First Credit Union is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts. Find out more here.

Rates
Picture of Home Improvement Loan

Home Improvement Loan

Variable rate up to 5 years
Interest rate from
6.12% p.a.1
Comparison rate  from
6.39% p.a.*
Picture of Home Improvement Loan

Home Improvement Loan

Variable rate up to 10 years
Interest rate
8.10% p.a.1
Comparison rate
8.37% p.a.*
Credit eligibility criteria, terms & conditions, fees & charges apply.
1 Rate is current as at 02/01/18 and subject to change without notice.