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Home Renovation

Renovate your home to better suit your needs.


  • Designed for a significant renovation project, as a top-up on your existing loan if affordable
  • Only available to existing Keystart customers

Things to know

  • Renovation finance

    You can apply for renovation finance through Keystart.
  • Is it affordable for you?

    We'll go through your financial situation to assess if an extension to your loan is suitable and affordable for you.

    To be eligible, the loan-to-value (LVR) ratio on your existing Keystart loan, including any additional funds you borrow for renovations, must not exceed 95% of the current value of your home.

    LVR is the amount of your loan as a percentage of your property's value. For example, if your property is worth $400,000 and your loan amount is $320,000, your LVR is 80%.

    Keystart recommends that you seek your own independent financial advice prior to making any decisions about your financial needs. Any examples given are provided for illustrative purposes only.

  • Existing customers only

    Our Home Renovation Campaign is only available to eligible existing Keystart customers.

    If you have a Shared Ownership Home Loan, and you are able to purchase the remaining Housing Authority share in your property and borrow additional funds for home renovations, you may also be eligible.