• hello@breezyloans.com.au.

Out With The Old, In With The New | Get A Home Renovation Loan With Breezy

Home renovations are an exciting time. There’s nothing quite like renovating and redecorating a home that is yours. You get the final say on everything and you can really make your house into a home. There’s no denying that home renovations are expensive though. Sprucing up your home can cost a pretty penny, especially if you were planning on doing some extensive renovations and restorations.

If you have found that you don’t have quite enough spare savings to cover the costs of your home renovation adventures why not give Breezy Loans home renovation loan a go? Not too sure what a home renovation loan covers or how it works? Read on to find out more!

Say hello to Breezy

Breezy Loans are your local lending experts who specialize in neo lending and small finance for all Australians. Whether you’re looking for an unsecured personal loan or a secured personal loan to cover some unexpected fees and costs, Breezy Loans can help you out. Our flexible approach to finance means we’re able to assist your average everyday Australians get the home renovation loans of their dreams.

What can a home renovation loan be used for?

A home renovation loan can be used for a multitude of reasons. The beauty of a Breezy home renovation loan is the flexibility that comes with it. Take. Look at just some of the reasons you might need a home renovation loan:

● New white goods
● Landscaping
● New home furniture
● Structural renovations
● Solar power installation costs
● Redecorating costs
● Installation costs
● Building costs
● Interior decorating costs
● Home extensions

And so many more. If there’s something you need to do around the house and you need a bit of spare cash to get it done, Breezy Loans can help.

Who can apply?

Here at Breezy Loans, we think that everyone should have access to easy finance when they need it most. Traditional lenders tend to exclude more than they include, but that’s not our style. We don’t believe in making our eligibility criteria complicated. With this in mind, we ask for just a few things from you first. If you meet the following criteria then you’re eligible to submit an application with us:

● Are you at least 18 years of age?
● Are you an Australian citizen or permanent resident?
● Have you been employed for at least 3 months?
● Do you have an active phone number and email address so we can contact you about your application?

If you answered yes to the above four criteria then you’re eligible to submit an application for a home renovation loan with Breezy Loans. Scroll up and get your application started now.

How much will a home renovation loan cost?

Knowing what kind of fees to expect on a personal loan is important as it helps you to budget ahead to determine whether a personal loan will be suitable for you. However, due to the fact that different lenders are going to have different fees and charges it can be a bit difficult to know exactly what you might be charged before you actually submit an application.

It’s also important to remember that personal home renovation loans are tailored to the applicant and their financial circumstances. While we can’t guarantee what your exact repayment amounts might be, we can give you a general overview of the kinds of fees you might expect to be charged as a general rule of thumb.

Remember that these are general examples only. Your assessor will discuss fees and repayment amounts with you after they have assessed your application and financial position.Read more about the fee & rates here.

How do you submit a home renovation loan application?

Submitting an application with Breezy Loans couldn’t be easier. We know that the standard vision that comes to mind when applying for a personal loan is that it can take hours to complete. There’s usually tonnes of paperwork to fill out and you have to wait even longer before you get an answer. Who has time for that? We certainly don’t.

Time is valuable and we think you shouldn’t need to waste yours on such time-intensive applications. We’ve taken our service to the next level and promise you 100% online, paper-free applications that will take only a couple of minutes to complete so you can get back to the more important things in life.

1st step

To get your application off to a flying start head up to the top of this page. You can utilize our online loan calculator to indicate what amount you’re looking to borrow. Once you’re happy with the loan amount selected hit submit and get your application off to a breezy start. You’ll be taken to the next page of your application where we’ll ask you to provide us with just a few extra details such as your name, address, date of birth, and reason for applying for the loan. Once you have popped these details into the form hit the next button. You’ll now be taken to the next stage of your 100% online application form.

2nd step

Now that we have gotten to know you a bit better we’ll ask you to upload up a secure, read-only copy of your bank statements. These statements are security protected and only accessible to our assessment specialists. Our assessment specialists will then take a quick look through your bank statements to make sure that a home renovation loan would be a suitable option for you and your financial situation. Once your statements are uploaded you’re all done. His submit and your application will make their way over to our assessment team to begin the assessment process.

3rd step

The hard part is done and it’s now up to our team of expert assessors to finish everything off for you so sit back and relax while we get to work. Your completed application will make its way through to our team of assessment specialists who will get to work assessing your application. They examine the documentation that you provided us with and take a look through your finances. If they find that they require any further supporting documentation for your application, they’ll be in touch with you via phone, SMS, and email. Make sure you keep your phone near you so we can get in touch ASAP.

The assessment process should be super fast and easy and you’ll generally have an outcome the same day you apply. Sometimes it may take a little bit longer though depending on whether or not your assessor requires further documentation from you. It may also take a bit longer if you submitted your application outside of our office hours. If you did apply outside of these hours you might not hear back from us until we’re back in the office. Never fear though, we’ll get straight to your application first thing next business day.

4th step

As soon as we have finalized the assessment of your home renovation loan application we’ll get in touch with you via SMS and email and let you know the outcome of your application. If you have been successful and Breezy Loans are able to offer you a personal loan we’ll discuss your loan offer and contract with you to ensure that you understand the terms. If you’re happy with the terms of your loan simply e-sign your contract and send it back to us as soon as you’re able to.

5th step

Once we have received your signed contract we can release your home renovation loan funds to your bank account with our next round of banking. Depending on who you bank with your funds can be in your account in as little as 60-minutes, sometimes faster. Don’t panic if you don’t see your cash instantly though, depending on which bank you’re with, your funds will generally clear into your bank account overnight at the very latest.

Does Breezy do credit checks?

Yes, Breezy Loans does conduct credit checks on applications that we receive. Credit checks are an important part of responsible lending practices and as such, Breezy Loans may conduct a credit check on your home renovation loan application. Credit checks don’t have to be scary though and shouldn’t stop you from applying if you’re looking for finance to get to work on some home improvements. A credit check is simply one aspect of a multi-step assessment process and is only a part of everything that our assessment experts look at.

A thorough assessment looks at many different aspects when assessing your application. These include your current relationship with money, income, expenses, and your repayment history with other lenders and commitments. We believe that looking at your application as a whole gives us a better snapshot of how you’re handling your finances and a more thorough overview of your application. So, while a credit check is important, it isn’t the deciding factor of your application, merely a contributing aspect.

Can I apply If I have bad credit?

Bad credit doesn’t have to be the end of the world, even if it may feel like it. Unlike traditional lenders that will take one look at bad credit and give you an instant no, we understand that not everyone is going to have a perfect credit score. Sometimes life just happens and our credit scores can be negatively affected. Here at Breezy Loans, we understand this and we’re here to tell you that it’s OK. We believe that everyone deserves a second chance to get the finance they need. So, even if you do have a bit of bad credit history in your past, why not submit an application anyway. Take a chance and let us see if we can help you out with the home renovation loan that you need.

Submit your application now

Don’t let a lack of cash stop you from renovating your home and turning it into your dream abode. Just a quick application with Breezy Loans could see you updating that tired old wallpaper or knocking out a few walls to create the open plan living of your dreams. With our fast, easy, inclusive applications that are 100% online and completely paperless, you’ll have an outcome before you can even decide on your new paint color. It really is that quick and easy. Submit your home renovation loan application today and see how Breezy Loans can help you out. Apply now!

Frequently Asked Questions

    To be eligible for a Breezy loan you simply need to be:
  • (a). 18 years of age.
  • (b). An Australian citizen or permanent resident.
  • (c). Receiving a regular income in a personal account for at least three months.
  • (d). Able to provide an active mobile number and email address.
  • (e). We may require some extra info once you apply; however, don’t worry, we’ll let you know!

Payday loans are loans that work around your pay schedule. Payday loans are typically unsecured, short-term loans and are usually paid off by your next pay cycle. Personal loans come with a higher term and amount. A security may also required for loan amount more than $5000.

No, we don’t offer payday loans Australia. We do, however, offer flexible loan terms, in line with responsible lending practices.

Yes! We welcome all applicants, no matter what your finances say. We can’t promise to help everyone, but we are more lenient than traditional lenders. So, if you have bad credit, why not apply and see if we can help you.

Yes! If you receive Centrelink payments you may have been knocked back by traditional lenders. However, our team of lending specialists classify Centrelink as regular income as long as you’ve been receiving the payments for at least 3 months.

That’s easy – nothing! Our loan service is 100% paperwork-free. So, no need to worry about submitting any paperwork. We’ll simply ask for your bank account, MyGov and employment info. Don’t worry, it’s nothing scary. We use your bank account and MyGov info to access a read-only copy of your statements, so there’s no need for you to submit any documentation! Breezy, right?

In some cases, we may need to contact your employer. Typically, we do this for new customers, and our team of lending specialists are always discrete and respectful. So, there’s nothing to worry about.

Yes, as part of our responsible lending practices, we do conduct credit checks. However, don’t let this deter you from applying for quick cash.

Applications can be submitted 24/7 via our website; however, our team needs their rest too, so we’ll begin assessing during our office hours.
Office hours:
Monday to Friday – 10:00 AM to 05:00 PM
Saturday & Sunday – Closed
If you apply outside of these hours, you can expect an outcome from our team of loan specialists on the next business day.

Rather than ask “how much can I borrow” ask how much do you need. We want to help, so firstly apply for what you need, and we’ll do our best to bring you a positive outcome. You can borrow from $2100 to $70,000.

Yes, absolutely! We are online lenders that use the latest in safe banking technology to ensure we assess your loan accurately and (most importantly) quickly!

If you’re approved, congratulations! We’ll send you a loan contract, and once you’ve signed on the dotted line, we’ll transfer your cash directly. Apart from your weekly, fortnightly, or monthly repayments, you don’t need to worry about a thing. If you have any questions regarding your current loan, email us at hello@breezyloans.com.au.

First off, we’re sorry you’ve been unsuccessful this time around, but there’s always a next time! We may have said no this time, but we won’t say no forever. You can re-apply after 90 days, and we’ll re-assess your application.

At Breezy, once your loan is approved, we’ll set up a direct debit with your bank account. So, your repayments will automatically be deducted from your account – completely seamless! What a breeze.

We understand that life happens and sometimes you may need to tweak your repayment schedule. If you do, that’s fine, just let our team know at least 24 hours before your next repayment.

Yes. Unfortunately, if you miss a repayment, we will debit your account $27.50. Therefore, to avoid any nasty fees, make sure to have your repayments ready to go in your account before they’re due.

Of course! At Breezy, we believe in flexible loan terms. Therefore, if you find a stroke of luck and you’re able to pay your loan off early, do it and save yourself the interest.

We want our customers to be happy! So, if you have an issue with our service, please feel free to lodge a complaint by emailing us at hello@breezyloans.com.au. We’ll be glad to address any problems or questions you have about our loan service.


Searching for a breezy, personal loan?

Apply for $2100 to $70,000.

Look no further than Breezy Loans for quick finance topped with top-notch
customer service and loan specialists who get it.

Rates & Costs

Medium Personal Loan

Loan Amount
$2100 - $4800

Loan term
12 months - 24 months


  • 1. Maximum Interest rate: 45.99% p.a.
  • 2. Comparison rate: 37.10% p.a. to 65.70% p.a.
  • 3. Loan Type: Secured & Unsecured
  • 4. Establishment Fee: $400

This comparison rate is based on $3600 over 12 months. These are secured and unsecured loans, so lender might ask for security as well. The minimum loan term is 12 months and maximum loan term is 24 months or more.

These are estimated rates only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change.


Personal Loan

Loan Amount
$16,000 - $70,000

Loan term
12 months - 5 years*

  • 1. Interest rate: 14.2% p.a.
  • 2. Comparison rate: 14.65% p.a.
  • 3. Loan Type: Secured & Unsecured

These rates are an example for a loan of $50,000 if borrowing for a term of 5 years.

Loan Amount of $50,000 over 5 years repayable. A monthly $1,190.60 Repayment at a maximum of 14.64% p.a. Comparison Rate. These are secured loans, so lender might ask for security as well. The minimum loan term is 12 months and maximum loan term is 5 years or more.

These are estimated rates only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change.


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