Why choose Flexy's Renovation Loan?
Whether you're flipping a property or upgrading a rental before refinance, Flexy's short-term renovation finance gives you fast access to capital when timing matters most.
Our renovation loan is simple, fast, and non-bank. You don’t need income statements or a solicitor, and funds can be in your account within 24 hours (for repeat clients).
Flexy's Renovation Loan Calculator
How much can I borrow?
Small Business Loan
Fast funding up to $50k for business growth, bridging finance, or renovations.
Learn more
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Who this loan is for:
01
Property traders
Renovating to flip properties.
02
Buy-and-hold investors
Upgrading rental properties before refinancing or selling.
03
Property flippers
bridging short-term gaps between purchase and resale.
How our lending works
01
Apply online
Just enter your property address, current lending, and your exit strategy.
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Fast review
We check your title, LVR, and exit plan. Most approvals are same-day.
03
Sign & fund
Sign digitally. We register the caveat and release funds.
Key features of our Renovation Loan
Max loan
$50,000. Need more? View our Second Mortgage Loan
Security
Second-ranking caveat (agreement to mortgage) over investment or owner occupied property
Max LVR
75% (including all existing lending)
Loan term
Up to 12 months
Interest
Interest only paid monthly
Exit plan
A clear and realistic exit: a planned sale, or realistic refinance.
Eligibility
Loans made to a company or trust as borrower. We do not lend to individuals
Approval speed
Same or next-day approval. Repeat clients funded same day
Why apply for lending with Flexy?
We’re a property-focused lender that moves as fast as you do.
Unlike the bank or other non-bank lenders, we don’t ask for tax returns, profit-and-loss statements, or five layers of credit approvals.
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Simple online application
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Transparent pricing
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Built for property traders and small business owners
Renovation Loan FAQ's
Property trading involves buying a property with the intention of reselling it for profit, often after making renovations or improvements. It’s different from long-term investing as the goal is short-term capital gain. Flexy’s renovation loans are designed for traders needing fast access to equity to complete a flip or add value before resale.
A home renovation loan gives you access to funds for upgrading, repairing, or adding value to a property. Flexy’s version is secured against your property, short-term, and designed for traders or investors who need fast capital without refinancing their main mortgage.
Flexy’s renovation loan is a short-term, second mortgage secured by a property you already own, often your home or another investment property. Instead of refinancing your main loan, we simply add a second layer of lending based on your available equity.
We lend based on three key factors:
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Your property’s current value
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The amount you already owe (your first mortgage)
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Your exit strategy and how you’ll repay the loan (usually by reselling the property or refinancing after the renovation adds value)
You’ll make interest-only payments during the loan term. Once the project is complete and the property is sold or refinanced, you repay the loan in full.
Example: Your property is worth $700k with a $450k mortgage. We lend up to 75% ($525k), so you could borrow up to $75k for your renovation. Once the work’s done, you repay the loan from the sale or bank refinance.
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If you own a property with enough equity and a clear exit strategy, Flexy can fund your renovation project. We lend to companies and trusts (not individuals), and can usually approve loans the same day, no income statements or bank delays.
We typically lend up to 75% of your property’s value (including existing loans).
Quick formula: Property value × 75% – existing mortgage = renovation loan amount.
Use our [loan calculator] to get an instant estimate.
If you already own a property with equity, Flexy can lend against it to fund renovations on a new purchase. In some cases, we can also use the new property itself as security, depending on your deposit and exit plan.
This is common for trade projects where timing is tight .Our second mortgage loan lets you access funds quickly, without refinancing your bank loan.
Property trading / flipping
Yes. When the loan is for a trade property you intend to sell for profit, the interest is normally 100% deductible because the borrowing is tied to your trading income.Long-term residential rentals
Interest deductibility is being phased back in, but the rules are still changing. From 1 April 2025 landlords can claim 60% of interest, rising to 100% by 1 April 2026 (subject to any future law change).Personal or owner-occupied renovations
Not deductible. Flexy does not lend for consumer or personal home improvements, unless borrowing is by a family trust or company.Always confirm the tax treatment with your accountant to match your specific deal and ownership structure.
Banks offer renovation loans, but they’re typically slower and require full documentation. Flexy is a non-bank lender specialising in short-term, equity-based renovation loans which are ideal for traders or investors who need fast approval and flexible lending.
The best loan depends on your goals, timeframe, and equity. Flexy’s renovation loan is ideal for short-term projects where speed and flexibility are key. You don’t refinance your bank loan we add a second mortgage over your existing property.
What our clients
say about us
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Payton Hillman
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Max Johnson
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Chloe Wilson
Who is this loan for?
Small Business Owners
Needing fast lending for cash flow, wages, or marketing spend.
Retail & Hospo Operators
Covering urgent costs like stock purchases, repairs, or slow trading periods.
Contractors & Tradies
Bridging cash gaps between invoices or funding materials upfront.
Businesses Behind on Tax
Clearing urgent IRD payments without bank delays.
Business Buyers
Accessing short-term funds to secure or settle a small business purchase quickly.
