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Make your home awesome

Home renovation loans to improve your space with annual interest up to 3% p.a.*
A woman renovating her house

Easily calculate your repayments

Getting a home renovation loan with Mutual Finanz is quick and easy.
Please enter an amount between $5,000 and $2,000,000

Plan your home improvement

You might be looking to expand your family's living space, get your home ready to sell, or tidy up an existing bathroom or living space. Whatever your aim, a personal loan from Mutual Finanz can help you fund your home renovation project.

Using a personal loan can also help you avoid adding unnecessarily to your mortgage and incurring additional interest over the life of your home loan.
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Bucket of paint and a paintbrush

Own a car? Use it to unlock the reno you really want.

Sure, our unsecured personal loans are great, but did you know that by simply adding security (like a car) could help you access up to $2,000,000 and loan terms of up to 10 years? Now you can get those fancy taps.
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Not just for renovating 

You don’t need any elbow grease or DIY plans to apply for a home improvement loan. Fitting out a home can be expensive, but you don’t have to wait for years to save up for each individual item!

Many of our customers have used a home improvement loan to fund fitting out their existing home with new indoor or outdoor furniture, new appliances and whitegoods for the kitchen or laundry.
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On the move

Moving is stressful, but the costs shouldn't need to be. You can use your Mutual Finanz home improvement loan to fund the sale costs, fees and even stamp duty and removalists costs.

Don’t own a home? Relocation and moving costs are still expensive if you’re renting and could come around more often than for those that own a home. A personal loan could make moving costs a bit easier to manage and perhaps help fund some new furniture.
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How it works

Getting a personal loan with Mutual Finanz is quick and easy.

Credit Parameters

In as little as 2 min we’ll give you your credit parameters based on your request.

Apply Online

It only takes 5 minutes for most people to complete their online application.

Get Your Funds

Once approved, we’ll have the funds in as little as 1 business day.
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How our rates compare

See how our unsecured personal loan rates measure up to the big 4, Commonwealth Bank, Westpac, ANZ and NAB.
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Rates as of 15/12/2021. Excludes short term bank promotions.

Personal loans made easy

Consolidate and save

Easily consolidate your debts into your home improvement loan to save in interest and enjoy the simplicity of a single repayment.

Flexible options

Choose your credit options, up to 10 years loan terms and monthly repayments.

Pay it off sooner

We don’t charge any penalties for paying off your personal loan early, so you have the option to pay a little extra off when you can!

Award winning personal loans

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Credit Score

Be in the know

Banks and lenders know your credit score, and so should you. Find out about your score, how it all works and how you can improve it.
Unlimited Access
Track Your Progress
Improve Your Score
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Don't just take our word for it...

"Process extremely easy and speedy. Staff great to work with and kept updated consistently throughout whole process."
Google
Mar 2021
“Customer service has been fantastic very efficient. The loan rate is reasonable & has helped at an important time. The paperwork is so simple you can do it from your phone.”
Google Review
Nov 2020
“Customer service has been fantastic very efficient. The loan rate is reasonable & has helped at an important time. The paperwork is so simple you can do it from your phone.”
Google Review
Nov 2020
“Customer service has been fantastic very efficient. The loan rate is reasonable & has helped at an important time. The paperwork is so simple you can do it from your phone.”
Google Review
Nov 2020
"Process extremely easy and speedy. Staff great to work with and kept updated consistently throughout whole process."
Google
March 2021
"Such an easy process to apply for my personal loan. From the start of the application to when the funds were in my bank was only a matter of a few days. Great service, would highly recommend”
Product Review
February 2021
“Cant speak highly enough of First Society. They approached our application with reasonable thought and actually took notice of affordability not just debits from accounts. Nothing seems to be too much problem with this company. Highly recommend.”
Google
March 2021
“Very speedy service fantastic people to deal with. Highly recommend First Society for a personal loan. I am very impressed with them and will use them again if need be in the future”
Product Review
February 2021
“First Society is a refreshing new way of doing banking. From my application through to draw down the process was streamlined and timely, as advertised. No hesitation in recommending their services.”
Google
March 2021
"Application process was simple and straight to the point. Customer Service was excellent, response times are quick and rates are in line with the BIG 4 banks."
Product Review
February 2021