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Renovation Loans

What is a Renovation Loan?

A renovation loan is a specialised home loan designed to help you finance the cost of improving, upgrading, or transforming your existing property. Unlike personal loans or credit cards with high interest rates, renovation loans are secured against your property and offer much lower rates, making them an affordable way to fund everything from minor cosmetic updates to major structural overhauls.
These loans can be structured to release funds progressively as renovation work is completed, or as a lump sum, depending on the scope of your project and your lender’s requirements.

When Might You Need a Renovation Loan?

Renovation loans are ideal if you:

  • Want to improve your current home: You love your location and neighborhood but need to update, expand, or modernize your existing property.
  • Are adding value to your property: You're undertaking renovations that will increase your property's market value, potentially creating instant equity.
  • Need more space: Your family is growing and you need additional bedrooms, bathrooms, or living areas without moving to a new property.
  • Are buying a fixer-upper: You've purchased a property below market value that needs significant work to reach its full potential.
  • Want to improve energy efficiency: You're installing solar panels, better insulation, double glazing, or other improvements to reduce running costs.
  • Are creating accessibility features: You need to modify your home for aging in place or to accommodate mobility requirements.
  • Are modernizing outdated features: Your kitchen, bathrooms, or other areas are dated and need updating to modern standards.
  • Are fixing structural issues: You need to address foundation problems, roofing issues, or other essential repairs that can't wait.

Key Advantages of Renovation Loans

  • Much lower interest rates: Secured loans against your property typically offer rates 10-15% lower than personal loans or credit cards.
  • Larger borrowing amounts: Access substantial funds (often $50,000 to $500,000+) to complete major renovation projects.
  • Longer repayment terms: Spread repayments over 15-30 years rather than 3-5 years with personal loans, making monthly payments more affordable.
  • Add value to your property: Well-planned renovations can increase your property value by more than the renovation cost, building instant equity.
  • Avoid moving costs: Stay in your preferred location and avoid the expense and disruption of selling and moving to a new property.
  • Tax benefits for investors: If renovating an investment property, the interest may be tax-deductible (consult your accountant).
  • Flexible drawdown options: Access funds progressively as work is completed or as a lump sum, depending on your needs.
  • Potential to add rental income: Create granny flats, dual occupancy, or additional dwellings to generate rental income.

How Renovation Loans Work in Practice

Renovation loans can be structured in several ways depending on the scope and cost of your project:

For Smaller Renovations (Under $50,000)

Lump Sum Drawdown

Access funds in one go, typically by

  • Increasing your existing home loan
  • Refinancing and accessing equity
  • Adding a renovation top-up to your current loan

You receive the full amount upfront and manage payments to your tradies yourself.

For Larger Renovations (Over $50,000):

Progressive Drawdown (Construction-Style)

Similar to construction loans, funds are released in stages as work progresses

  • Initial deposit to builder/contractors
  • Progress payments at key milestones
  • Final payment upon completion

The lender conducts inspections at each stage before releasing funds, ensuring work quality and protecting your investment.

Types of Renovation Loans

Equity Release/Top-Up Loan

Access the equity in your existing property by increasing your current home loan. This is the simplest and most common renovation loan structure.

Example:

  • Current property value: $600,000
  • Current loan: $300,000
  • Available equity (at 80% LVR): $180,000
  • Renovation budget: $100,000
  • New loan total: $400,000

Refinance with Cash-Out

Refinance your entire home loan to a new lender while accessing additional funds for renovations. This can be beneficial if you can secure a better interest rate.

Renovation Construction Loan

For major structural renovations (over $100,000), lenders may require a construction-style loan with progressive drawdowns and building inspections at key stages.

Line of Credit for Renovations

Access funds as needed through a line of credit, giving you flexibility to draw funds progressively and only pay interest on what you've used.

Purchase Plus Renovation Loan

Buy a property that needs work and include renovation costs in your initial mortgage. The lender assesses the "as-if-complete" value when determining how much you can borrow.

Example:

  • Purchase price: $450,000
  • Estimated renovation cost: $80,000
  • "As-if-complete" value: $600,000
  • Total loan: $530,000 (purchase + renovations)
  • LVR based on completed value: 88%

What Renovations Can You Finance?

Renovation loans can cover a wide range of improvements:

Major Structural Renovations

  • Kitchen and bathroom renovations
  • Room additions and extensions
  • Second story additions
  • Garage conversions
  • Knocking down walls or reconfiguring layouts
  • Foundation repairs or underpinning
  • New roofing or re-roofing

Cosmetic and Interior Improvements

  • New flooring, carpet, or tiles
  • Painting (interior and exterior)
  • New fixtures, fittings, and appliances
  • Built-in wardrobes and storage
  • Window and door replacements

Outdoor and External Work

  • Landscaping and garden design
  • Driveways, paths, and paving
  • Decking, patios, and outdoor entertaining areas
  • Swimming pools and spas
  • Fencing and gates
  • External cladding or rendering

Energy Efficiency and Sustainability

  • Solar panel installation
  • Battery storage systems
  • Insulation upgrades
  • Double or triple glazing
  • Rainwater tanks
  • Energy-efficient heating and cooling

Additional Dwellings

  • Granny flats or secondary dwellings
  • Dual occupancy developments
  • Converting single dwellings to duplexes
  • Studio or home office construction

Accessibility Modifications

  • Wheelchair ramps and accessible entrances
  • Bathroom modifications for mobility
  • Stairlifts or home elevators
  • Widened doorways and hallways

How Lenders Assess Renovation Loans

When applying for a renovation loan, lenders consider:

Your Equity Position

Most lenders require you to maintain at least 20% equity after the renovation (80% LVR). If you need to borrow above 80% LVR, you'll likely pay Lenders Mortgage Insurance (LMI).

As-If-Complete Valuation

For major renovations, lenders commission a valuation assessing what your property will be worth after renovations are complete, not just its current value.

Detailed Renovation Plans

For larger projects (typically over $50,000-$100,000), lenders require:

  • Detailed scope of works
  • Builder's quotes or fixed-price contracts
  • Architectural plans or drawings
  • Council approvals (if required)
  • Timeline and payment schedule

Your Ability to Service the Loan

Lenders assess whether you can afford the increased loan repayments, considering your income, expenses, and other debts.

Builder Qualifications

For major works, lenders typically require your builder to be:

  • Licensed and registered
  • Adequately insured
  • Experienced and reputable

Owner-Builder Renovations

If you're doing the work yourself (owner-builder), expect:

  • Stricter lending criteria
  • Higher deposit requirements (often 20-30% equity)
  • More detailed cost breakdowns
  • Proof of relevant qualifications or experience
  • Comprehensive insurance requirements

Example Renovation Loan Scenario
Let’s look at a typical renovation loan in action:

Your Current Situation

Property value
$700,000
Current loan
$400,000
Available equity
$300,000
Maximum borrowing at 80% LVR
$560,000
Available funds for renovation
$160,000
Renovation Loan Structure
Since the project exceeds available equity at 80% LVR, options include:
  1. Reduce renovation scope to $160,000
  2. Pay $10,500 from savings
  3. Accept higher LVR (83%) and pay LMI
  4. Choose option 3: New loan total of $570,500, LVR 81.5%

Renovation Plans

Complete kitchen renovation
$45,000
Two bathroom renovations
$35,000
New flooring throughout
$20,000
External painting and landscaping
$25,000
Deck and outdoor entertaining area
$30,000
Contingency (10%)
$15,500
Total renovation budget
$170,500
Estimated LMI:
Approximately $3,500-$5,000 (one-time cost, can be added to loan)
Progressive Drawdown Schedule:
  • Month 1: $50,000 (kitchen demolition and installation begins)
  • Month 2: $40,000 (bathrooms and flooring)
  • Month 3: $40,000 (completion of internal works)
  • Month 4: $40,500 (external works, landscaping, final payments)
Expected Outcome:
  • Renovated property value: $850,000
  • Total loan: $575,500 (including LMI)
  • New LVR: 67.7%
  • Equity created: $274,500 (up from $300,000 in cash equity)
  • Value added: $150,000 (renovation increased value by more than cost)

Costs and Fees

costs-and-fees

Renovation loans involve several costs:

  • Interest Rates: Typically the same as standard home loan rates which can be much lower than personal loans (typically 10-15%) or credit cards (between 15-25%).
  • Loan Application/Establishment Fees: $300-$600 to set up or restructure your loan.
  • Valuation Fees:
    • Standard valuation: $300-$500
    • "As-if-complete" valuation: $500-$800 (for major renovations)
  • Progress Inspection Fees: $200-$400 per inspection if using progressive drawdowns (typically 3-5 inspections).
  • Lenders Mortgage Insurance (LMI): Required if borrowing over 80% LVR. Costs vary but can range from $2,000 to $20,000+ depending on loan amount and LVR.
  • Legal and Conveyancing: $800-$1,500 if refinancing to a new lender.
  • Council and Building Permits: Varies by council and project scope, typically $500-$5,000+ for major works.
  • Building Insurance: Ensure adequate coverage during renovations, may require increasing your insurance coverage ($200-$500 increase annually).

Renovations That Add the Most Value

Not all renovations are created equal. Here are improvements that typically offer the best return on investment:

high-return-renovations

High-Return Renovations (80-100%+ return):

  • Kitchen renovations (modern, functional kitchens)
  • Bathroom updates (especially adding a second bathroom)
  • Fresh paint (interior and exterior)
  • Landscaping and street appeal
  • Additional bedrooms (if property is under-capitalized)

Medium-Return Renovations (50-80% return):

  • New flooring and carpets
  • Built-in wardrobes and storage
  • Energy-efficient upgrades (solar, insulation)
  • Outdoor entertaining areas (decks, patios)
  • Modern lighting and fixtures
medium-return-renovations
lower-return-renovations

Lower-Return Renovations (30-50% return):

  • Swimming pools (adds appeal but limited value return)
  • High-end luxury finishes (over-capitalising)
  • Highly personal or niche features
  • Extensive landscaping beyond basic appeal

Renovations to Avoid:

  • Over-capitalising for your neighborhood
  • Reducing bedroom count
  • Removing garages or parking
  • Ultra-modern designs in traditional areas (or vice versa)
renovations-to-avoid

Our brokers can help you plan renovations that maximise value for your investment.

Things to Consider

Renovation loans offer great opportunities but require careful planning:

Budget carefully with contingencies

Renovations almost always cost more than initial estimates – budget an additional 10-20% for unexpected issues.

Get multiple quotes

Obtain at least three quotes from licensed builders or tradies to ensure competitive pricing and quality work.

Understand council requirements

Some renovations require council approval, which can add months to your timeline and thousands to your costs.

Plan for disruption

Living through renovations is stressful – consider whether you’ll stay in the property or arrange temporary accommodation.

Consider "as-if-complete" value

Not all renovations add equal value – some improvements (like pools) may cost more than they add to property value.

Insurance during renovations

Ensure your building insurance covers renovation works and potential damage during construction.

Builder contracts

Use fixed-price contracts rather than “cost-plus” arrangements to control costs and secure financing.

Timing and cash flow

Major renovations can take 3-12 months – ensure you can service higher loan repayments during this period.

DIY limitations

While doing some work yourself saves money, lenders often require licensed professionals for major structural or compliance work.

Tips for Successful Renovation Loans

To ensure your renovation project succeeds:
  • Plan thoroughly before borrowing: Have detailed plans, quotes, and timelines before applying for finance.
  • Choose experienced, licensed professionals: Work with qualified builders, designers, and tradespeople with good references and proper insurance.
  • Get everything in writing: Use detailed contracts specifying scope, timeline, payment schedule, and quality standards.
  • Build in contingency: Budget 10-20% extra for unexpected costs, delays, or scope changes.
  • Understand permit requirements: Check council requirements early - approval delays can derail timelines and budgets.
  • Document everything: Keep all quotes, contracts, receipts, and photos for lender inspections and future reference.
  • Maintain communication: Keep your broker, lender, and builder informed of progress and any issues that arise.
  • Don't compromise on quality: Cheap materials or workmanship may save money short-term but cost more long-term and reduce value.
  • Stage your renovation: If the budget is tight, prioritise high-impact areas first (kitchen, bathrooms) and do cosmetic work later.
  • Consider living elsewhere: For major renovations, temporary accommodation might be more cost-effective than trying to live through the chaos.
tips-fo-successful-renovation-loans

Renovation Loan vs. Other Financing Options

Depending on your situation, you may provide:

Renovation Loan vs. Personal Loan

  • Renovation Loan: 6-7.5% interest, 15-30 year terms, secured by property, larger amounts ($50,000-$500,000+)
  • Personal Loan: 10-15% interest, 3-7 year terms, unsecured, smaller amounts ($5,000-$50,000)

Renovation Loan vs. Credit Card

  • Renovation Loan: Low interest, structured repayment, large amounts
  • Credit Card: 15-25% interest, minimum repayments, limited amounts ($10,000-$50,000)

Renovation Loan vs. Line of Credit:

  • Renovation Loan: Fixed drawdown, standard home loan rates, structured approach
  • Line of Credit: Flexible drawdown, slightly higher rates, more flexibility but requires discipline

Who Benefits Most?

Renovation loans are particularly valuable for:
  • Growing families who need more space but love their location
  • First home buyers purchasing affordable fixer-uppers below market value
  • Long-term homeowners wanting to modernise and age in place
  • Property investors adding value to increase rental returns and capital growth
  • Downsizers customising smaller properties to suit their specific needs
  • DIY enthusiasts with skills to manage some work themselves while financing major elements
who-benefits-most
is-a-renovation-loan-right-for-you

Is a Renovation Loan Right for You?

A renovation loan might be right for you if:
  • You have sufficient equity in your property (typically at least 20%)
  • You have detailed plans and realistic budgets for your renovation
  • You can service the increased loan repayments comfortably
  • Your planned renovations will add value to your property
  • You prefer to improve your current home rather than move
  • You're committed to seeing the project through to completion
However, renovation finance may not be suitable if:
  • You have limited or no equity in your property
  • Your renovation plans are vague or budgets uncertain
  • You're already stretching to meet current loan repayments
  • You're planning renovations that won't add value
  • You lack time or patience for construction disruption
Our experienced brokers specialise in renovation loans and can help you:
  • Assess your equity and borrowing capacity
  • Structure your renovation loan optimally
  • Connect you with valuers familiar with "as-if-complete" assessments
  • Navigate progressive drawdown requirements
  • Choose between refinancing or topping up your existing loan
  • Plan your renovation to maximize value and minimize risk

Get in touch today to discuss your renovation dreams and discover how we can help you transform your property into your perfect home.

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Georgie R.
Thanks Matt, Ian and the crew at Crew Financial for helping us buy our first home. We honestly had no idea where to start, but Ian took the time to answer every question and made the whole process feel so much less stressful. We always felt supported and knew we could reach out whenever we needed. Really grateful for all the hard work and help getting us into our first home!
Response from the owner:Thank you so much for the kind words! We’re so glad Ian, Matt and the Crew Financial team could help make the process feel easier and less stressful for your first home purchase. Congratulations again on such an exciting milestone, and thank you for trusting us to be part of the journey! 🏡
Wayne R.
We cannot thank our financial broker enough for all the help and support they gave both my daughter her partner and myself throughout the entire process of securing finance for her first home. From start to finish, they were incredibly helpful, patient, and understanding every step of the way.

No question was ever too silly to ask, and they always took the time to explain everything clearly and guide us through what could have been a very stressful process. Their knowledge, kindness, and constant reassurance made such a difference and gave us so much confidence along the way.

We are so very grateful for all the guidance, care, and effort they put into helping my daughter and her partner achieve their dream of buying their first house. We highly recommend them to anyone looking for a broker who genuinely cares about their clients and goes above and beyond to help.

Thank you again for everything — we truly appreciate it more than words can say. Thanks Matt you're a legend
Response from the owner:Thank you so much for your incredibly kind words. It was an absolute pleasure helping your daughter and her partner through such an exciting milestone, and I’m so grateful to have been able to support your family throughout the journey. Congratulations again to your daughter and her partner on their first home — such an amazing achievement! Thank you again for trusting me to be part of it, and for taking the time to leave such a thoughtful review. It truly means a lot. Matt
Joshua H.
Special thanks to Ian and Matt for helping us in buying our first investment property.
Response from the owner:Thank you for the kind review, Joshua. Ian and Matt are thrilled they could help you purchase your first investment property and congratulate you on this milestone. We look forward to supporting your future investments. Your feedback is appreciated. Crew Financial
Ray S.
James did an excellent job helping me refinance a complicated loan structure that needed to be completed within a very short timeframe. He dealt professionally with numerous difficulties and delays from the banks and worked hard to keep everything moving throughout the process.

Communication was excellent the entire way through, with quick responses to questions and fast action whenever issues arose. I really appreciated his persistence, professionalism, and ability to navigate a difficult situation successfully. I would highly recommend James to anyone looking for a knowledgeable and reliable mortgage broker.
Response from the owner:Thank you, Ray, for taking the time to share your experience. We’re thrilled James was able to navigate the complex refinance and meet your tight timeframe while keeping communication clear and prompt. I’ll be sure to pass your praise along to him and the team. Please reach out any time if you need assistance in the future. Your feedback is appreciated. Crew Financial
Joziane G.
Amazing experience with Jeramy. He was able to think out the box when there was some limitations and worked as hard as he could to get me the best outcome.
Response from the owner:Thank you for your kind words, Joziane. We're thrilled Jeramy could think outside the box and work so hard to deliver the best outcome despite the limitations. We’ll be sure to pass along your praise to him. We look forward to assisting you again. Your feedback is appreciated. Crew Financial
Aine Rose T.
Dan from Crew Financial has helped broker 2 loans for me - communication, efficiency and customer service were second to none.
Response from the owner:Thank you so much, Aine, for the wonderful review. We’re thrilled Dan and the Crew Financial team delivered exceptional communication, efficiency, and customer service for both loans. We appreciate your trust and look forward to assisting you again or anyone you refer. Your feedback is appreciated. Crew Financial
Zoe S
Excellent experience
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Kirk C.
Brett was amazing to deal with. I honestly couldn’t recommend him more highly. Professional, knowledgeable and incredibly responsive. I would absolutely recommend Brett for anyone looking for a reliable and trustworthy mortgage broker.
Response from the owner:Thank you for taking the time to share this glowing feedback. We're thrilled Brett was professional, knowledgeable, and responsive throughout your experience. Your recommendation means a lot to us and to Brett personally. We’ll be sure to pass along your kind words. If you ever need assistance again, we’re here to help. Your feedback is appreciated. Crew Financial
Cherie E.
As first home owners we loved dealing with our Mortgage Broker Melina. She was down to earth, sincere, gave us a lot of her time and really seemed to care for us in our unusual set of circumstances. She found us a few suitable options with various banks which was so encouraging given our ages and finances. Thank you Melina! We will certainly recommend you to our friends and family as you came so highly recommended to us.
Response from the owner:Thank you so much for your kind words, Cherie. We're thrilled Melina could guide you through your first home purchase and provide sincere, personal support during your unique circumstances. It's wonderful she was able to find multiple bank options and help you feel confident. We truly appreciate your recommendation to friends and family and wish you all the best in your new home. Your feedback is appreciated. Crew Financial
Kate B.
I was recommended Brett Jeffery from a friend and I couldn’t recommend him more; he created a stellar experience for me in my property purchase. His communication was detailed, prompt and simple to understand and he made the whole process of buying property completely easy. Would recommend him to everyone I know who is looking for a mortgage broker.
Response from the owner:Thank you so much for the kind words, Kate — we’re thrilled Brett made your property purchase smooth and easy. We appreciate your recommendation and are glad his clear, prompt communication made the process simple for you. We look forward to helping any friends or family you send our way in the future. Your feedback is appreciated. Crew Financial
beryl W.
Best brokers for aircrew, hands down!
Rick and the team were lighting fast in assessing my case and facilitating a loan approval interstate. Rick’s ability to translate our notoriously complex payslip and allowances system to banks is invaluable to securing a loan.
Elisha was always available to promptly answer any question throughout the process.
My real estate agent even commented she had never seen a loan approval letter coming in so fast in a settlement in all her years. Took just 2 days!
Thank you Crew Financial!
Response from the owner:Thank you so much for this fantastic review, Beryl. We’re thrilled Rick and the team could move so quickly and that his explanation of your payslip and allowances helped secure the interstate loan in just two days. I’ll pass your kind words on to Rick and Elisha — they’ll be delighted. We appreciate the recommendation and are here whenever you or your colleagues need assistance again. Your feedback is appreciated. Crew Financial
Andrew H.
Excellent Broker, they were able to get us a loan at a difficult time and we successfully purchased the Property we wanted. I have now also successfully done a refinance with Crew Financial and my service was again excellent!
Corey P.
Adoni at Crew Financial has once again delivered outstanding results for us. This was our second complicated home loan with him, involving tricky income structures and higher borrowing needs, and he handled everything with the same expertise, patience, and professionalism as the first time.
He took the time to deeply understand our situation, fought hard to maximise our borrowing capacity (more than any other lender could offer), and secured an excellent rate with a smooth, stress-free process from start to finish. Communication was always prompt, clear, and reassuring.
If you’re dealing with anything but a straightforward loan, Adoni is the broker you want in your corner. Highly, highly recommend – we won’t go anywhere else! Thank you, Adoni and the Crew Financial team! 🚀
Response from the owner:Thank you, Corey, for the fantastic review and for trusting Adoni and the Crew Financial team with another complex home loan. We’re thrilled Adoni’s expertise, persistence, and clear communication secured the borrowing capacity and rate you needed while keeping the process smooth and stress-free. Your recommendation means a lot, and we look forward to supporting you again whenever you need us. Your feedback is appreciated. Crew Financial
Derek H.
Jeremy and the team at Crew Financial have demonstrated exemplary professionalism and service well above what is expected. Their contacts in various related fields allow for comprehensive advice in more complex scenarios such as mine. I cannot speak highly enough of Crew Financial, and actively recommend them to anyone in need of property acquisition services.
Response from the owner:Thank you so much for your kind words, Derek! We are pleased to hear that you were satisfied with our service and professionalism. It's our goal to provide comprehensive advice for complex scenarios. Your positive recommendation is highly appreciated.
Miguel S.
Thanks again to the amazing team at crew financial. Matt and Jodie went out of their way to get my loan sorted before the Xmas break.
Absolutely no hesitation recommending crew financial.
Response from the owner:Thank you for your amazing feedback, Miguel! We're thrilled to hear that you've had consistent positive experiences with our team and that Matt has been particularly helpful. Your support and recommendations mean a lot to us. We look forward to assisting you again in the future! Your feedback is appreciated. Crew Financial
Maxine P.
We had an excellent experience working with this finance company to secure our home loan approval. Their service was consistently professional and accommodating, taking the time to explore different options with us as our living circumstances changed.

What stood out most was their thoughtful and understanding approach. They were honest, transparent, and always willing to provide clear information — even going above and beyond when we had lots of questions to ensure we fully understood the process. They also offered practical tips and suggestions when it came to making an offer, which gave us added confidence during a stressful and competitive time.

Importantly, they were flexible and willing to meet and talk with us both during and outside of standard business hours, ensuring our needs were always supported. Their ability to move quickly and secure a loan with great terms made all the difference in a fast-paced property market. We felt supported every step of the way and truly valued their open communication and genuine care.

We would highly recommend them to anyone looking for loan approval, especially if you want a team that is responsive, trustworthy, and capable of executing swiftly to help you secure the right property.
Response from the owner:Thank you for your wonderful feedback, Maxine! We're thrilled to hear that you had such a positive experience with our team during the home loan process. Our goal is to provide personalized support and clear communication, so it's great to know that we were able to meet your needs. We appreciate your recommendation and look forward to helping more clients achieve their homeownership dreams. Your kind words inspire us to continue delivering exceptional service! Your feedback is appreciated. Crew Financial
Nicole S
My family has used Crew Financial’s brokerage services three times in the last couple of years. Matt and Jodie are simply outstanding. Their professional knowledge skills and abilities are first class while retaining a personal and friendly approach. We have had excellent results on each occasion. I highly recommend their services.
Response from the owner:Thank you so much for your kind words, Nicole! We truly appreciate your trust in our services and are thrilled to hear about your positive experiences with Matt and Jodie. Delivering professional and friendly service is our priority, and it's rewarding to know we’ve met your expectations. Your recommendation means a lot to us, and we look forward to assisting your family with any future needs. Your feedback is appreciated. Crew Financial
Jack
The team at Crew Financial have been fantastic. From helping us with prospective properties to finalising our pre approval in a very timely manner, I cannot fault their service and motivation to get people what they are looking for. Looking forward to continuing to use their services well into the future.
Response from the owner:Thank you for your wonderful feedback, Jack! We are thrilled to hear that you had a fantastic experience with our team. Your satisfaction and trust mean a lot to us, and we are excited to assist you in your future financial endeavors. Please don't hesitate to reach out anytime you need support. Your feedback is appreciated. Crew Financial
bob
Dealing with Matt (and the team at Crew Financial) has been one of the most beneficial and de-stressing experiences of my financial life. Having purchased six properties in my life, I'm actually relieved to have refinanced (during COVID) and now restructured for an investment, with Crew Financial. Matt saved me over 1.2% when my 25 year lender, wouldn't give me their 'best rate' (due to being an 'existing customer '). A very good outcome given my income was a fifth (yep 20%!) of what it was before the COVID stand down. Matt's understanding of the intricacies of financial matters, has helped me to structure and invest late in my career, without reservation or anxiety. I recommend Matt and Crew Financial, unreservadly. David Foreman
Response from the owner:Thank you for your fantastic review, David! We're thrilled to hear that you had such a positive experience with Matt and the Crew Financial team. It’s great to know that we could help you save significantly while providing support during a challenging time. Your recommendation means a lot to us and we look forward to continuing to assist you with your financial journey. Your feedback is appreciated. Crew Financial
Paris A.
Rick at Crew Financial does incredible work, highly knowledgeable, professional and makes us feel supported every step of the way! We cannot thank him enough for all of his guidance and support!
Response from the owner:Thank you for your wonderful review, Paris! We're thrilled to hear that Rick provided you with exceptional service and support. Your satisfaction is our priority, and we appreciate your kind words. We look forward to assisting you again in the future! Your feedback is appreciated. Crew Financial
Channon K.
Our best experience purchasing a new home yet! Brett and the team were thorough and kept us in the loop every step of the way.
Highly recommend
Response from the owner:Thank you for your fantastic feedback! We're thrilled to hear that Brett and the team provided you with such a positive experience while buying your new home. Keeping our clients informed is a top priority for us. We appreciate your recommendation and wish you all the best in your new home! Your feedback is appreciated. Crew Financial
Channon K.
Brett and the team from Crew Financial were great to work with. They helped us through our unique situation of owning a new business and made the process easy and seamless. We would definitely use them again.
Response from the owner:Thank you for your wonderful feedback, Channon! We're thrilled to hear that Brett and the Crew Financial team were able to assist you with your unique situation. Making the process as easy and seamless as possible is our priority. We look forward to working with you again in the future! Your feedback is appreciated. Crew Financial
Amanda G.
We would like to extend a heartfelt thank you for the exceptional support and professional service provided during our home loan process. From start to finish, we felt fully informed every step of the way. Crew Financial were knowledgeable and responsive, making what could have been a complicated journey smooth and straightforward. Thank you for your outstanding assistance!
Response from the owner:Thank you so much for your kind words, Amanda! We're thrilled to hear that our team was able to provide you with exceptional support during your home loan process. It’s our goal to keep our clients informed and make the experience as smooth as possible. Your feedback means a lot to us, and we're grateful for the opportunity to assist you. We wish you all the best in your new home! Your feedback is appreciated. Crew Financial
Helena B.
the crew have been extremely patient, yet extremely professional , and I thank Rick , Jodie and team by for their support and great care in acquiring a good deal for my new home ! Great tram if hard workers
Response from the owner:Thank you for your wonderful feedback, Helena! We're thrilled to hear that Rick, Jodie, and the rest of the team provided you with the patient and professional support you needed. Delivering the best possible experience for our clients is our top priority, and it’s fantastic to know that you felt cared for throughout the process. Enjoy your new home! Your feedback is appreciated. Crew Financial
Christina I.
I recently refinanced my home loan with the help of Adoni and I couldn’t be happier with the experience. From the very first consult, he took the time to truly understand my financial goals and walked me through every step of the process with patience and clarity.

What really stood out was his professionalism, deep knowledge of the mortgage market, and commitment to finding me the best possible rate. Adoni kept me informed at every stage, promptly answered all my questions, and made what could have been a stressful process feel smooth and effortless.

Thanks to him I was able to secure a significantly better rate and reduce my monthly payments. I genuinely felt like I was in capable, trustworthy hands from start to finish.

I highly recommend Adoni and Crew Financial to anyone considering refinancing or applying for a new loan. Exceptional service, honest advice, and real results — everything you could ask for in a financial professional!
Response from the owner:Thank you for your wonderful review, Christina! We're thrilled to hear about your positive experience with Adoni during your home loan refinance. His dedication to understanding clients' financial goals and providing exceptional service is exactly what we strive for. We're glad that you found the process smooth and that you secured a better rate. Your recommendation means a lot to us, and we appreciate your trust in Crew Financial! Your feedback is appreciated. Crew Financial
Troy B.
Seamless process with the customer at the forefront. James took the time to understand our circumstances and give the best market advice for us. His communication skills were excellent, and no task was an inconvenience throughout the whole process.

Highly Recommend and look forward to using James services in the future.
Response from the owner:Thank you for sharing your positive experience, Troy. We're thrilled to hear that James provided such exceptional service and support throughout your process. Your recommendation means a lot to us, and we look forward to assisting you again in the future. Your feedback is appreciated. Crew Financial
Ange S.
This is the 3rd time our family have worked with Brett from Crew Financial. Hopefully there will be many more times. Brett is an awesome human being that goes above and beyond to assist and obtain the best deal possible. Great communication, anytime, any day with great outcomes! Highly recommend!
Response from the owner:Thank you for sharing your detailed experience, Ange! We're thrilled to hear that Brett provided you with the support and expertise you needed during such a delicate time. Your recommendation means a lot to us, and we're glad we could help you successfully purchase your father's home. We appreciate your trust in Crew Financial and look forward to assisting you in the future! Your feedback is appreciated. Crew Financial
Adam T.
Matt and his team have been a breath of fresh air to deal with. They actively listened to our needs for the refinance and offered excellent products to manage and in fact exceed expectations
Response from the owner:Thank you for your fantastic feedback, Adam! We're thrilled to hear that Matt and the team were able to meet and exceed your expectations during the refinance process. Your satisfaction is our top priority, and it's great to know we achieved that for you. We appreciate your trust in us and look forward to working with you again in the future. Your feedback is appreciated. Crew Financial
Ryan C.
We’re incredibly grateful to Rick and Elisha for helping us secure our first home. From the very beginning, they were professional, knowledgeable, and genuinely supportive. Their advice was clear and reassuring, and they made the entire process feel smooth and manageable.

One of the standout moments was their recommendation of a building and pest inspector, which helped us identify key issues early and gave us peace of mind moving forward. It’s that kind of thoughtful, proactive support that made all the difference.
Thanks to their expertise and dedication, we felt confident every step of the way. We couldn’t have asked for better guidance or service.

Highly recommend them to anyone looking for trusted mortgage brokers!

Ryan and Mia
Response from the owner:Thank you so much for your kind words and for sharing your experience with Rick and Elisha. We're thrilled to hear that their professionalism and support made your home-buying journey smooth and manageable. It's great to know that their proactive approach, especially with the building and pest inspector recommendation, provided you with peace of mind. We appreciate your recommendation and wish you many happy moments in your new home! Your feedback is appreciated. Crew Financial
Brett C.
Did a great job helping me structure my investment loans … thanks again
Response from the owner:Thank you for your fantastic feedback! We're glad to hear that our team was able to assist you in structuring your investment loans effectively. Your satisfaction is our priority, and we appreciate your trust in us. If you have any other needs in the future, don't hesitate to reach out. Your feedback is appreciated. Crew Financial
Donna W.
Highly Recommend Melina and Carlo from Crew Financial!

Melina and Carlo were absolutely fantastic to deal with. Melina came highly recommended by a close friend and her knowledge and commitment to helping me navigate my home loan was clear from our first meeting. I felt supported the whole way through - nothing was ever too much trouble. I wouldn’t hesitate to recommend Melina and Carlo to anyone looking for a reliable, knowledgeable, and down-to-earth mortgage broker.
Response from the owner:Thank you so much for your wonderful feedback, Donna! We're thrilled to hear that Melina and Carlo provided you with the support and expertise you needed for your home loan. Their dedication to helping clients is truly commendable, and your recommendation means the world to us. We're glad you had a positive experience and appreciate you taking the time to share it! Your feedback is appreciated. Crew Financial
Nikki Y.
Thank you, as always we have received such wonderful service with such a personal approach and understanding of our specific financial needs. Thanks for being so responsive and for making the process so easy for us.
Response from the owner:We greatly appreciate your kind words and are thrilled to hear that you received wonderful service tailored to your financial needs. It's our goal to make the process as seamless as possible for you. Thank you for trusting us, and we look forward to continuing to serve you in the future. Your feedback is appreciated. Crew Financial
Aaron G.
Matt, Jodie and the team are awesome. Great communication, great support throughout the whole loan process. Five stars!!!!!
Response from the owner:Thank you for your fantastic review, Aaron! We're thrilled to hear that you had a great experience with Matt, Jodie, and the team. Your feedback on our communication and support means a lot to us. We appreciate your trust and look forward to assisting you again in the future. Your feedback is appreciated. Crew Financial
Richard Y.
Wow! Thank you Crew Financial ! Elisha worked through a few challenges and came up with a great solution for us. This is why we use the experts ( Again). First in Class every time!
Response from the owner:Thank you for the fantastic review, Richard! We’re glad to hear that Elisha was able to navigate through the challenges and provide you with an effective solution. Your trust in our expertise means the world to us. We appreciate your continued support and look forward to assisting you again in the future! Your feedback is appreciated. Crew Financial
J G
Very professional and helpful advice. A seamless process for setting up an investment loan
Response from the owner:Thank you for your kind words! We're glad to hear that you found our advice professional and helpful, and that the process for setting up your investment loan was seamless. Your satisfaction is our top priority, and we appreciate your trust in our services. If you need any further assistance, don't hesitate to reach out. Your feedback is appreciated. Crew Financial
D B
Pretty seamless process.
I had no time constraints so it seemed to step through a needed
Response from the owner:Thank you for your feedback! We're glad to hear that you found the process to be seamless. If you have any suggestions for improvement or if there's anything else we can do to enhance your experience, please let us know. We appreciate your support and look forward to serving you again! Your feedback is appreciated. Crew Financial
Grace S.
Was referred to Crew Financial to seek assistance in securing a mortgage for a first home purchase. Spoke to Jodie who very much went above and beyond to help us with our situation. She was more than happy to answer our questions and clear up any confusion we had even with knowing we had another application with another broker. I happily recommend Crew Financial and Jodie to anyone seeking help with a loan!
Gary K.
This is the second time I have asked Crewfinancial to arrange loans and again they have been outstanding. Not only do they react immediately and positively to problems from outside their control but proactively avoid problems eventuating. Their communications are excellent and the energy and effort are beyond description. They work into the night or on weekends, whatever is needed to help their clients. I cannot recommend this organisation highly enough. Thank you for all you did, I would only ever use CrewFinancial in the future.
Response from the owner:Thank you for your fantastic review, Gary! We greatly appreciate your continued trust in CrewFinancial for your loan arrangements. It's wonderful to hear that our team's dedication and proactive approach have made a positive impact on your experience. Your recommendation means a lot to us, and we're thrilled to have earned your loyalty. We look forward to assisting you again in the future! Your feedback is appreciated. Crew Financial
Joshua W.
I cannot recommend Brett at Crew Financial highly enough! From start to finish, he always goes above and beyond, putting in 110% to make sure we’re looked after. This is the second time we’ve worked with Brett, and the level of care, professionalism, and commitment he shows each time is outstanding. He makes the whole process stress-free, explains everything clearly, and ensures we’re always in the best possible position. Also a special mention to the Settlement Coordinator, Carlo, whose support and attention to detail made the process seamless. We’ll definitely be back for a third time when the need arises.
Response from the owner:Thank you for your glowing review, Joshua! We're thrilled to hear that Brett and Carlo provided you with excellent service and made your experience stress-free. Your appreciation of their professionalism and attention to detail truly means a lot to us. We look forward to assisting you again in the future! Thank you for choosing Crew Financial. Your feedback is appreciated. Crew Financial
L K.
Amazing service! I’m a sole trader and didn't have a full years worth of financials at the time and Brett still found smart workarounds to get me approved. When the financial year ticked over he was able to refinance and get me an even better rate! Super easy to deal with and always helpful. Highly recommend. Cheers Brett 👍🏽
Response from the owner:Thank you for your fantastic feedback! We're thrilled to hear that Brett was able to find solutions that worked for you and secure a better rate upon refinancing. Your recommendation means a lot to us, and we're glad you found the process easy and helpful. We look forward to supporting your future financial needs! Your feedback is appreciated. Crew Financial
Shane S.
Amazing work by Matt and the team. They handled our situation with ease and professionalism at every stage. Got us well above the result we had hoped for! Couldn’t recommend highly enough
Response from the owner:Thank you for your fantastic feedback, Shane! We're thrilled to hear that Matt and the team exceeded your expectations. Your recommendation means a lot to us. We're always here to help, and we look forward to assisting you again in the future. Your feedback is appreciated. Crew Financial
Glen H.
The crew financial team are top notch! They kept me well informed every step of the loan application and property purchasing process. Any questions were handled quickly and thoroughly. A relief to have such a team to guide you through a process few of us do often!
Response from the owner:Thank you for your wonderful review! We're thrilled to hear that our financial team was able to provide you with the support and guidance you needed throughout the loan application and property purchasing process. Your satisfaction is our priority, and we appreciate your trust in us. If you need anything else in the future, don't hesitate to reach out. Your feedback is appreciated. Crew Financial
Tom L.
Highly recommend Crew Financial.
Response from the owner:Thanks for the review Tom. We really do care about getting excellent results for our clients.
Nikki S.
Adoni from Crew Financial was instrumental in us being able to purchase our new property. He was able to secure us more borrowing capacity than any other lender, and was an absolute delight to deal with. He has been super responsive and never made us feel stupid ( I had MANY stupid questions!) or pressured. Very clear communication made the settlement process seamless and we will absolutely be recommending Crew Financial and Adoni to all our friends and family.
Response from the owner:Thank you so much for your wonderful feedback! We're thrilled to hear that Adoni was able to assist you in securing your new property and that his responsiveness and support made your experience enjoyable. We pride ourselves on clear communication and are delighted to know that you felt comfortable throughout the process. Your recommendations to friends and family mean the world to us. We look forward to working with you again in the future! Your feedback is appreciated. Crew Financial
Andrew P.
Great professional service, highly recommended.
Response from the owner:Thanks Andy, look forward to hearing how the build goes.
Adam L.
5 Star service!
Cannot fault!
Response from the owner:Thank you Adam for your fantastic feedback! We're thrilled to hear that you had a 5-star experience with us. Your feedback is appreciated. Crew Financial
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