Transform your home — the smart way.
Renovation & Equity Release Loans in Perth
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.
The right renovation can add enormous value — but the wrong finance structure can drain your borrowing capacity or trap your equity.
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.
What we help you with
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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.
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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.
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Buy + Renovate Strategy
Send us the listing you’re considering. We estimate lending capacity, reno budget ranges, valuation uplift and the right structure for a buy–renovate–sell/hold scenario.
Real scenarios
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.
How the process works
We assess your current equity, borrowing capacity and reno goals.
We structure the right loan(s) — avoiding cross-collateral mistakes.
We help you plan your budget and timeline
Finance your renovation with confidence — and a plan that actually works.
Whether it’s a cosmetic refresh, a full redesign or a value-adding renovation before selling, we help Perth homeowners structure their loans properly, unlock usable equity and avoid over-spending.