Borrow up to $50,000 for home improvements
Low interest rate
No security required

Looking for an easy, hassle free and cost effective way to finance improvements to your home?

Try our variable Reno Loan. Our Reno Loan can provide you with up to $50,000 for all those smaller home improvements projects without the need to extend your home loan.

So if you are thinking about adding a deck, putting in a pool, giving the kitchen or bathroom a makeover or building a man shed, a Queensland Country Reno Loan may be the solution.

What renovations can you carry out using our Reno Loan? You can use our Reno Loan for any of the following purposes:

  • Building a deck or a patio
  • Constructing a carport or new driveway
  • Purchase and installation of an in-ground pool
  • Building a new room in your house
  • Renovating the kitchen or bathroom
  • Replacing or repainting the roof of your house or shed
  • Professional internal/external repaint of your house
  • Professional landscaping, fencing and irrigation
  • Replacing your house floor coverings
  • Eco friendly home improvements such as solar panels and systems, rainwater storage tanks, greywater treatment system, roof insulation, solar hot water system, LED lighting and eco lighting, inverter air conditioners.

Excluded items that cannot be purchased using the Reno Loan include:

  • Whitegoods and electrical goods that are not hardwired appliances e.g. fridges, entertainment systems, washing machine, TV’s, microwave ovens etc.
  • Household furnishings e.g. lounges, tables chairs, beds, rugs etc.

Are there any conditions for the Reno Loan?

The loan is only available to personal Members for the renovation of owner occupied or residential investment homes. All loan proceeds will be disbursed on provision of an invoice/s which states the exact renovations being carried out and will be paid to the business or company carrying out the works stated on the invoice.

Do I need to provide security in order to take out a Reno Loan?

All applications are individually assessed and are subject to Queensland Country’s normal credit criteria. If security is deemed a requirement for your application’s approval, a Reno Loan is not available. If security is required, one of our friendly staff will contact you to discuss your options and advise you of any other Queensland Country products we offer that may assist you with your goal.


  • Variable rate
  • Add value to your home and increase the equity you have in your property – no new mortgage required to do so!
  • Repay your loan over a short term and keep repayments and affordability with in your budget – no loan payout fees either
  • Low interest rate
  • No security required
  • Low establishment fees - cheaper to set up than our standard home loan
  • Borrow from $3,000 to $50,000 for your home improvements and renovation project
  • Terms from 1 to 7 years
  • Choice of weekly, fortnightly or monthly repayments
  • Able to make additional repayments

Rates & Fees

Product Interest Rate
Reno Loan 8.74 Interest rate 9.60**Comparison rate
Effective from Thursday 23 November 2023
Establishment fee $120
Loan maintenance fee $10 / Per Month
Document fee Document fees apply.
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The fine print

Please be aware that variable interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable. Normal lending criteria, terms and conditions apply and are available on request.

** WARNING: These comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. A comparison rate schedule is available at any of our branches. Comparison Rate calculated on an unsecured loan of $30,000 over a 5 year term based on monthly repayments.

Before acquiring this product, the information above should be read in conjunction with the following documents to determine if this product is right for you: Target Market Determination; Personal Loan brochure; Account and Access Facility Conditions of Use brochure; Fees and Charges brochure; Credit Guide and the Loan Interest Rate Schedule.