Fund the home you
already love.
Renovating your own home has more funding paths than a standard loan: top-up, refinance, or a staged construction-style loan. We find the one that actually fits your project, so you don't borrow the wrong way or overpay.
Funding matched to your renovation, not a one-size loan
Straight advice on top-up vs refinance vs construction-style
Built for real situations, including self-employed homeowners
Based on 250+ reviews
Elite Broker Winner 2024 & 2025
We compare your rates with 50+ lenders
Why Stryve for your renovation
The Way To Fund A Renovation Isn't Always The Obvious One.
Most people assume they need to refinance the whole loan to renovate. Often they don't. A top-up, a redraw, or a staged construction-style loan can each be the right move, and the wrong one can cost you in interest or leave funding sitting idle.
We start by working out what actually fits your project and how much you need, then point you to the cheaper path instead of the default one. One team, from first call to funds in your account.
The right path, not the default
Top-up, refinance, or construction-style, matched to your project, not whatever is easiest to sell.
Your equity, put to work
We check your usable equity and borrowing capacity before you commit, so you know your real budget.
Built for your situation
Self-employed or complex income? That's normal here, and homeowners with unusual setups are welcome.
Our 5-Stage On How Your Renovation Gets Funded
Funding a renovation isn't one fixed product, it depends on the size of the job. We work out the right structure first, then handle the lender so the money lands when you need it.
From first call to final invoice, you deal with one team that knows the file end to end.
01
The right path
Top-up, refinance or construction-style. Not every reno needs a full refinance, if a cheaper path leaves you better off, that's the one we'll recommend.
02
Equity and borrowing power
Before you lock in a builder or a budget, we confirm what you can usably borrow against your home, including alt-doc options if you're self-employed.
03
Loan structure
A single lump sum for cosmetic work, or staged drawdowns for structural projects, set up so you're not paying interest on funds you haven't used yet.
04
Funds when you need them
All at once for smaller jobs, or progressively as the work hits each milestone for bigger ones. We manage the valuations and drawdowns with the lender.
05
Sharp after settlement
Once the work's done, we review your structure and rate every six months so the loan stays competitive long after the renovation's finished.
How renovation finance works in your favour
Interest only on what you draw
On a staged loan you pay interest on funds released so far, not the full amount approved, so a six-month build doesn't cost you interest on money still sitting with the lender.
A structure that fits the job
A quick kitchen refresh and a full extension shouldn't be funded the same way. Smaller jobs stay simple; bigger ones get the staged structure they need, no over-engineering.
Equity without selling up
Renovating turns the home you already own into the one you want, using the equity you've built, no need to move, and often cheaper than buying bigger elsewhere.
Plain English, start to finish
Redraw, offset, drawdowns, usable equity, we explain what each one means for your money before you sign, so nothing in the loan catches you out later.
Why Renovating Homeowners Choose Stryve
A bank gives you one product and one rate. We compare the whole market and structure it around your project, not the other way around.
The whole market, not one bank
Your own bank can only offer its own products. We compare lenders to find the structure and rate that suit your renovation.
Self-employed, handled as standard
No recent tax returns? We work with lenders who accept BAS, business bank statements or an accountant's letter.
Advice before a sales pitch
If refinancing won't leave you better off, or renovating isn't the right move yet, we'll tell you, even if it means you don't borrow at all.
Not sure which path fits your renovation?
Let's work it out together, no obligation.
Book a strategy callWhat our customers
say about us
“Nate and Dylan were extremely helpful in helping us secure our new home. They were easy to contact from day one, and answered any questions we had. We felt reassured at all times and are very grateful for their patience with us. I have recommended Stryve to 3 friends now who have all been successful in achieving their goals of purchasing their homes. We are so happy with the service and will definitely keep on recommending Stryve to our family and friends.”
Whitney Tran
Homeowner
“I never had a problem with Dylan. From the start of our journey on mortgage til the very end and even with refinancing, he/they were very helpful, transparent, honest and really keen to help their clients! Highly recommended.”
Cristianne Del Valle
Homeowner
“On behalf of my husband and I, we would like to truly thank Dylan Bertovic for all his assistance in helping us with our new loan - approved in time before our settlement. Dylan worked above and beyond expected. He took the time to explain every step and process with us. Any questions we had, Dylan would go out of his way to ensure they were answered. He made the process stress free and ensured we got the best possible deal. We highly recommend Dylan to all our family and friends.”
Merna Yalda
Homeowner
“Nate is great to work with, very knowledgeable, responsive and genuinely invested in helping me find the right solution. Highly recommend this firm to anyone looking for reliable, competitive and professional brokerage services.”
Julia
Homeowner
“Dylan has not only been a longtime friend, but also the trusted mortgage broker of choice for my family. He answers the phone at all hours, communicates extensively through all steps of a sometimes-complicated process and manages my risk. He has a straight to the point approach which I appreciate. Simply gets the job done, and gets it done very quickly. Thanks for everything Dylan, you're a champion broker and a good mate.”
Christian Barać
Homeowner
“Nate and Dylan were the ultimate professionals in securing a home loan to help us purchase our first home! Following the purchase of our home, they have continued to provide their exceptional service and have been able to secure two rate reductions in six months! Being self-employed wasn't an issue for me as Nate knew the process back-to-front and was able to provide sound advice throughout the application process.”
Justin Tomas
Homeowner
“It was an absolute brilliant experience with Stryve. Our first purchase was with Dylan he was always clear re: the next steps, quick to respond, never tired of questions and went over and above with communication. We went back and used him again for our next investment and the experience was just as wonderful as the first. Stryve also reviews our loans every 6 months to make sure we are getting the best rates on offer. We couldn't ask for more!”
Amber Motii
Homeowner
