Bring Your Home Renovation Dreams to Life with Renovation Loans

Get Some Professional Advice First

If you’re thinking about giving your home a much-needed facelift or tackling some essential repairs, you’re not alone. Renovating can feel like an exciting journey, but it can also come with its fair share of uncertainties, especially when it comes to funding.

 

That’s where Q Financial comes in. As experts in renovation loans, we’re here to guide you every step of the way, making the process less overwhelming and more achievable. Let’s walk you through what you need to know so you can move forward with confidence.

Through our renovation loan options, we offer financing solutions designed to meet your specific needs, whether you’re upgrading a family home or enhancing an investment property. By leveraging your existing equity or utilising tailored loan structures, we ensure that your renovation aligns with your financial goals. Our team is here to guide you through the process, offering insights that not only help you manage risk but also maximise the return on your investment.

At Q Financial, we believe that renovations are an opportunity to build lasting value—both for your property and your financial future.

What is a Renovation Loan, and Who is it For?

A renovation loan is a financial solution designed to help homeowners fund improvements or repairs to their properties. From upgrading your kitchen and fixing a leaky roof to adding a new room for your growing family, a renovation loan provides the support you need to bring your plans to life.

But why consider a renovation loan? Picture yourself finally having that dream kitchen, a more energy-efficient home, or even an extra bathroom to stop those morning squabbles. Renovation loans don’t just improve your comfort; they can also boost your home’s value, making them a smart move for your future.

So, who can benefit from a renovation loan? These loans are suitable for a wide range of homeowners:

  • First-home buyers looking to fix up an older property without draining their savings.
  • Growing families who need extra space but prefer to renovate rather than move.
  • Homeowners tackling essential repairs like plumbing, roofing, or structural issues.
  • Investors aiming to increase rental appeal or property value.

No matter your goal, be it fixing, updating, or transforming your space, the right loan can make your project achievable.

How Much Can I Borrow, and When Should I Apply for a Renovation Loan?

The amount you can borrow depends on your financial situation and the lender’s criteria. Most lenders will consider factors like:

  • Your income and expenses
  • Your home’s current value
  • The estimated cost of the renovation

As a general rule, borrowing amounts typically range from $10,000 for minor upgrades to several hundred thousand dollars for major projects. Want a more accurate idea of what you could borrow? Consulting a mortgage broker can help you in figuring out the finances and finding a loan that works best for your situation.

Reach out to us for a free consultation, and let’s find the perfect financing solution for your renovation project.

When Should You Apply for a Renovation Loan?

When you’re applying for a renovation loan, timing is important. It’s best to apply when:

  • You have a clear renovation plan. Lenders will expect to see a detailed outline of your project and its costs.
  • You’re ready to move forward. This means you’ve set a budget, chosen your contractors, and know the scope of work.
  • Your finances are in good shape. A strong credit history and manageable debts can boost your chances of approval.

 Applying at the right time helps you feel prepared and increases your chances of approval.

Popular Types of Renovations

Renovating your home isn’t just about aesthetics; it’s about making your space work better for you. From minor updates to major overhauls, each type of renovation serves a specific purpose and comes with unique costs. Knowing your choices makes it easier to decide what’s best, especially when planning to use a renovation loan to finance your project.

Renovation TypeDescriptionAverage Cost
Non-Structural or MinorSimple updates like repainting, replacing fixtures, or updating flooring.Approximately $5,000–$23,000 for budget renovations.
CosmeticUpgrades such as new cabinetry, modern lighting, or bathroom makeovers.Between $15,000–$25,000 for standard renovations.
Kitchens and BathroomsComprehensive renovations of kitchens and bathrooms, often involving new layouts and high-end finishes.Kitchens: $20,000–$45,000; Bathrooms: $10,000–$35,000.
Adding Luxury FeaturesInstalling amenities like swimming pools, home theatres, or smart home systems.Costs vary widely; for example, a home extension can range from $150,000 to over $500,000.
Structural or MajorSignificant changes such as adding rooms, altering layouts, or addressing structural issues.Major renovations can range from $40,000 to $300,000.
Energy Efficiency UpgradesImplementing solar panels, insulation, or energy-efficient appliances.Costs depend on specific upgrades; for instance, solar panel installations can range from $3,000 to $12,000.

Note: Costs can differ depending on factors such as the materials used, your location, and the size of the project. It’s advisable to consult with professionals for accurate estimates.

Non-Structural or Minor Renovations

Sometimes, small changes can completely transform the atmosphere of your home. Simple upgrades like painting walls, changing lights, or putting in new floors may seem small, but they can make a big difference in making your home look and feel new.

These types of renovations are especially appealing for homeowners working within a tighter budget or looking for quick, low-disruption projects.

Minor renovations typically cost anywhere from $5,000 to $23,000, making them a great match for smaller renovation loans. For instance, a loan to cover a $5,000 repaint of your living room can brighten your home and increase its market appeal without placing unnecessary strain on your finances.

These projects are also ideal for first-time renovators because they’re easy to manage and offer immediate results. By using a renovation loan to fund these updates, you can preserve your savings while still giving your home a fresh, modern look.

Cosmetic Renovations

Cosmetic upgrades take your home improvement efforts a step further by combining aesthetics with practicality. Think sleek new cabinetry in the kitchen, stylish modern lighting, or a full bathroom makeover.

These projects are perfect for areas of your home that are functional but outdated, and they’re an excellent way to enhance both your living experience and the value of your property.

For example, replacing an old, cramped bathroom with a contemporary design not only makes your mornings more enjoyable but also adds significant resale value. Cosmetic renovations usually cost between $15,000 and $25,000, making them well-suited to a mid-sized renovation loan. By using your loan to invest in quality materials and skilled professionals, you can achieve a result that’s not only visually stunning but also built to last.

Kitchens and Bathrooms

Kitchens and bathrooms are the most important parts of a home, and renovating these spaces is often one of the best investments you can make. A well-designed kitchen turns meal prep into a pleasure, while an updated bathroom offers a touch of daily luxury. These areas also have a strong impact on potential buyers, making them a priority for homeowners looking to increase their property’s value.

Renovations in these spaces often involve more than just a facelift. They might require new layouts, high-end finishes, or updated plumbing. Costs for kitchens can range from $20,000 to $45,000, while bathrooms typically fall between $10,000 and $35,000. A renovation loan can help you avoid waiting years to save up the cash, allowing you to tackle these high-impact projects sooner rather than later. With the right financing in place, you can create spaces that serve your family’s needs while significantly boosting your home’s market appeal.

Adding Luxury Features

Luxury renovations are about turning your home into a personal sanctuary. Adding a swimming pool, creating a dedicated home theatre, or installing a smart home system can elevate your quality of life while enhancing the value of your property. Even if they’re not absolutely necessary, luxury upgrades can be fun to have and make your home more appealing if you decide to sell.

The costs of luxury renovations vary widely, with projects like home extensions often ranging from $150,000 to over $500,000. For such significant undertakings, a home equity loan or construction loan is often the best choice. These loans offer funding with manageable repayment terms. By carefully considering your long-term goals and selecting the right financing option, you can make these dream projects a reality without overextending yourself financially.

Structural or Major Renovations

Sometimes, a home’s layout simply doesn’t work. Structural renovations, such as adding extra rooms, creating open-plan spaces, or addressing foundation issues, can completely transform how a house feels and functions. While these projects require a larger financial commitment, the results are often worth it. They can turn an outdated property into a modern retreat that perfectly suits your needs.

Major renovations typically cost between $40,000 and $300,000, depending on the scope of the project. These types of projects often call for a construction loan, which releases funds in stages as the work progresses. This not only makes managing the project easier but also ensures that your finances stay on track. By using a renovation loan to fund these substantial upgrades, you’re investing in your home’s long-term value and functionality.

Energy Efficiency and Sustainability

In today’s world, energy-efficient upgrades are more than just a trend. They’re a necessity. Adding things like solar panels, better insulation, energy-saving appliances, or rainwater systems can save you money on bills and help the environment.

These projects can vary in cost, with solar panel installations ranging from $3,000 to $12,000. Some lenders offer specialised renovation loan packages for energy-efficient projects, often with reduced interest rates or other incentives. Using a renovation loan to fund these upgrades is not only financially wise but also aligns with a growing focus on sustainability. By investing in your home’s efficiency, you’re not just improving its performance—you’re future-proofing it for the years ahead. Read More

How is the Loan Disbursed?

The disbursement process varies depending on the type of renovation loan, and understanding this beforehand is crucial to managing your project timeline.

1. Home Equity Loan or Increasing Your Existing Home Loan

One of the most common ways to finance a renovation is by tapping into your home’s existing equity. Equity is what’s left when you subtract the amount you still owe on your home loan from the current value of your property. By using this value, you can access funds through options like a standalone home equity loan, a line of credit, or by increasing your existing mortgage.

Can I use equity to renovate?

Yes, you can. Using your home equity is often a cost-effective way to fund renovations, as it typically offers lower interest rates compared to unsecured loans. For example, if your home is worth $800,000 and your mortgage balance is $500,000, you may have access to a significant portion of the $300,000 in equity, depending on the lender’s criteria. This approach allows you to finance transformative projects while maintaining manageable repayments.

When is this a good fit?

  • For major renovations, such as adding extra rooms or extensive remodelling.
  • If you’ve built up substantial equity in your home and want to put it to good use.
  • When you’re looking for a loan with competitive interest rates and manageable repayments.

Using equity to renovate not only funds your project but can also increase your home’s value, making it a strategic financial decision. A mortgage broker can help you evaluate your equity and guide you through the process of accessing it to make your renovation dreams a reality.

Schedule a consultation with us to see how you can unlock the potential of your home equity for your next renovation.

2. Construction Loan

A construction loan is designed for larger renovations or building projects, where work will happen in stages. These loans release funds gradually as different milestones are reached, making them ideal for projects like building extensions or gutting and rebuilding parts of your home.

What makes construction loans appealing?

  • You only pay interest on the funds drawn down, not the full loan amount from day one.
  • Lenders monitor progress, ensuring funds are used as planned.
  • They provide structure and oversight, which can be reassuring for homeowners tackling large, complex projects.

However, construction loans often require detailed renovation plans, including itemised budgets and contractor agreements, which can feel daunting but ensures you stay on track financially and logistically.

3. Line of Credit

For those who value flexibility, a line of credit can be a game-changer. This loan gives you flexible access to money whenever you need it instead of borrowing one large amount upfront. You can use it for multiple smaller projects or ongoing improvements over time.

Who benefits most from a line of credit?

  • Homeowners tackling smaller, intermittent projects like landscaping, repainting, or replacing appliances.
  • Those who want the freedom to draw down funds only when necessary.
  • People who are disciplined with budgeting and can avoid over-borrowing.

Let’s say you’ve set aside $50,000 for a few projects but don’t need it all at once. With a line of credit, you could spend $10,000 on a bathroom upgrade today and another $5,000 on new flooring a few months later, only paying interest on the amounts used.

4. Personal Loan

Personal loans are unsecured, meaning you don’t need to offer your home or another asset as collateral. These loans are typically used for smaller renovations and can be a fast and straightforward option.

When should you consider a personal loan?

  • If you don’t have home equity to tap into.
  • For projects with costs in the range of $5,000 to $50,000, like cosmetic upgrades or minor repairs.
  • When you need funds quickly and don’t want the complexity of a mortgage-related product.

However, because personal loans don’t require collateral, they usually come with higher interest rates. It’s important to weigh whether the convenience outweighs the cost.

5. Credit Cards

A credit card can be handy for minor projects like changing fixtures, upgrading lights or tackling a simple weekend home improvement task.

What are the pros and cons of using a credit card?

  • Pros: Instant access to funds and no formal application process.
  • Cons: High interest rates if the balance isn’t paid off quickly, which can make your project far more expensive in the long run.

Using a credit card might make sense for a $2,000 upgrade to your home office, but it’s not the best choice for anything more substantial unless you can secure a card with an interest-free period.

6. Specialised Renovation Packages

Some lenders offer packages specifically designed for renovations. These might include bundled deals that combine loan features or discounted rates for projects like energy-efficient upgrades.

Why consider a specialised renovation package?

  • If your renovation has a specific focus, such as sustainability or energy efficiency.
  • When you want a loan product with features designed for your needs, like staged funding for solar panel installation or green home improvements.

For example, if you’re upgrading your home with solar panels, double-glazed windows, and better insulation, some lenders may offer discounted interest rates or additional perks to support eco-friendly projects. These packages are worth exploring for anyone wanting to future-proof their home.

Will I End Up in Debt I Can’t Manage?

This is one of the biggest fears for anyone taking out a loan, and it’s a valid concern. However, proper planning and financial discipline can make the difference between a well-managed renovation and a financial burden.

Lenders check your income, spending habits, credit score, and existing debts to see if you can handle repayments. They won’t approve a loan amount that exceeds what you can reasonably manage, which provides an important safeguard. That said, it’s up to you to set realistic expectations for your renovation.

Start by creating a detailed budget, including estimates for all labour, materials, permits, and contingencies (typically 10–20% of the total). Then, compare this with your monthly cash flow to ensure the loan repayments won’t strain your finances. Remember, renovation loans come in various forms, and selecting one with favourable terms, such as a lower interest rate or a longer repayment period, can help you maintain financial stability.

To avoid surprises, consult a mortgage broker. They can help you find options that fit your financial plan and future objectives, giving you peace of mind.

How Do You Choose the Right Type of Renovation Loan?

Choosing the right loan depends on your project scope, financial situation, and long-term goals. A mortgage broker can assist in comparing your options, considering factors like:

  • How much you need to borrow—A larger project might favour a home equity or construction loan, while smaller ones might work better with a line of credit or personal loan.
  • How quickly you need the funds—Personal loans and credit cards offer speed, but other options require more preparation.
  • Your ability to repay—Loans backed by collateral usually come with lower interest rates and longer time to pay them off, making monthly payments easier to manage.

Final Thoughts: One Step Closer to Your Dream Home

Renovating your home is an exciting step, and the right loan can make it all feel achievable. From giving your kitchen a facelift and creating a more sustainable home to starting a full-scale remodel, there’s a financing option to match your vision and circumstances.

Unsure which loan is the best fit? That’s okay. You’re not expected to know all the answers. A knowledgeable mortgage broker can explain your choices in detail, ensuring you’re confident and informed every step of the way. After all, your home is your sanctuary, and we’re here to help you make it even better.

Start making your renovation plans a reality today by contacting one of our mortgage experts. Read Less

More Information About The Government Help Can Be Found Here

First Home Guarantee

Supporting eligible home buyers to buy a home sooner and avoid paying LMI.

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Regional First Home Buyer Guarantee

Supporting eligible regional home buyers to buy a home sooner, in a regional area.

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Family Home Guarantee

Supporting eligible single parents with at least one dependent to buy a home sooner.

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Hi! If you’re a property investor seeking financial guidance  you’ve come to the right place! My name is Quinto, and I will be your trusted and friendly local broker who will guide you every step of the way.

Feel free to reach out to me and my team today to get connected to the home mortgage lenders who will look upon your application most favourably. We promise that you will get an absolutely FREE, no-obligation consultation!

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About us

Why Q Financial?

At Q Financial, we are dedicated to assisting individuals from all walks of life in achieving their financial goals. With our team of experts, including our trusted mortgage broker, Quinto White, we have the expertise to effectively navigate the lending landscape and secure favorable outcomes for our clients.

Whether you’re a First Home Buyer, Home Upgrader, looking to Refinance, make Investments, or embark on a New Home Purchase, our Award-Winning Home Loan Specialists, led by Quinto White, are here to provide advice-driven solutions tailored to your specific financial and lifestyle goals—both now and in the future.

At Q Financial, we are not only committed to our clients but also to the well-being of our planet. We embrace ethical lending practices, actively offset our carbon emissions, and strive to make a positive impact. With your support, we can continue to accomplish even greater things!

Contact Q Financial today and let Quinto White, our dedicated mortgage broker, guide you through the process of achieving your financial dreams.

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FAQs on Renovation Loans

We can evaluate your finances and renovation plans to suggest the loan that best fits your needs. Whether you need a construction loan, a home equity loan, or a line of credit, we can simplify the decision-making process by comparing multiple lenders and explaining the pros and cons of each option.

Yes, we help you figure out how much you can afford to borrow by looking at your income, spending, credit record, and the renovation’s estimated costs. We ensure the loan fits within your budget while still covering your project’s needs.

Yes, we help clients create realistic budgets by guiding you through potential costs, including contingencies for unexpected expenses. Our expertise ensures you have a clear understanding of how much you’ll need and how to finance it.

That’s where we excel. As brokers, we can connect you with a broad network of lenders and financing options, giving you greater flexibility and choice. We evaluate rates, terms, and features from different providers to secure the most suitable option for your renovation needs.

For larger or phased projects, we can help combine loan types, such as a construction loan for major work and a line of credit for ongoing or minor updates. We’ll coordinate with lenders to create a tailored financing strategy that suits your project’s scope.

Yes, we make the process smoother by explaining lender requirements and helping you meet them. From licensed contractor approvals to progress inspections, we guide you through each step to avoid delays or complications.

We specialise in finding solutions, even for clients with less-than-perfect credit. By identifying lenders who work with diverse financial situations, we help you access financing options and offer advice to improve your creditworthiness if needed.

We help you build a financing plan that includes a contingency reserve to cover unexpected costs. Additionally, we can suggest flexible loan options, such as a line of credit, which allows you to access additional funds only if needed.

Absolutely. We break down repayment terms in simple language, helping you understand interest rates, payment schedules, and total loan costs. We ensure you’re confident in how the loan aligns with your financial goals.

Banks limit you to their own products, but we can connect you to many lenders and a broader range of loan solutions. As brokers, our job is to help you, not the lender. Our priority is to secure the best deal and terms for your renovation, while also offering personalised advice and ongoing support.

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As a charity our financing options were limited, Quinto from Q Financial helped us obtain a loan approval with a major bank. Throughout the process, Quinto was proactive in keeping us updated and guided us on the documentation of the information the bank requested, this made is easy for us to quickly respond and get the application progressed. He was always available whenever we had questions and was very professional, getting us the best deal out of options available.!
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I cannot recommend Q Financial enough - Quinto and Michael were available, professional and friendly throughout the whole process of securing and managing our home loan. These guys will find the best possible deal for you with the banks, and will guide you through the processes step by step. Buying a house is hard, but Q Financial definitely made it easier!
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Q Financial made the complex process of mortgage application as streamlined and simple as it could be. Their online data collection system is well laid out and easy to follow. Once our application was lodged with our chosen lender, approval was incredibly fast and no further information was requested. Michael and Quinto have been a pleasure to deal with. Highly recommend.
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Quinto and Michael from Q Financial have been brilliant throughout the whole process of applying for our home loan. I am the sort of person to stress about the tiny detail but their expert advice made it easy to trust in them and we are very happy with the home loan offer they helped us secure.Michael and Quinto went out of their way to make sure all our questions were answered and were always timely and professors in all our dealings with them.Strongly recommend Q Financial for persons seeking a home loan.
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What You Can Expect: Working with Q Financial

FREE Service

Lenders may eventually charge you a premium for their services. However, you can always count on mortgage brokers to not charge you anything when working with them. That is because they receive a commission from lenders and will not need any sort of compensation from the borrower.

Specialist Advice You Can Trust

Mortgage brokers are governed by the ‘Best Interests Duty’ legislation. Under this law, brokers are mandated to only ever act in your best interests and use their expertise to come up with the best potential result for your home loan application. We know the industry inside out, and our experience with a variety of lenders and financial institutions makes us much more of experts at lending policies and processes than them.

Full-service Support

It is our job to carry out all the legwork on your behalf from start to end, and represent you in a way that will get you the most favourable outcome. We will assess your borrowing capacity, organise your paperwork, and make sure you get approved for a home loan in the most cost-effective and transparent way possible.

Wide Panel of Lenders

We have access to a wide array of lending options, so there should be something out there to fit every individual financial plan. We keep an eye across a large section of the property market, and we compare rates from our wide panel of lenders. We can help you explore those options and make sure you get the right one for you!

Access to Special Discounts and Benefits

Our mortgage brokers are local, so we have a thorough understanding of the local market trends. This knowledge enables us to understand your needs, tailor a loan according to your unique circumstances, and possibly get you preferential treatment — or even discounts where they apply.

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Excellent service and ongoing advice when buying our first home. Absolutely recommended!

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July 27, 2023

Quinto and the team were amazing. They answered all our questions and made sure the product we were getting was the right one for our circumstances. Michael kept us up to date with the progress and was so lovely to deal with.

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Quinto and Michael were very helpful from the very beginning. Always contactable and explaining information in an easily digestible way. Would recommend to anyone.

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June 5, 2023

I'm so excited I got a loan from a lender who helped me with my loan. It was amazing how I got a loan... I tried a different service but I could never get a loan from that service. Some of them will ask me to fill out a lot of documents and at the end of the day it will not end well. But I'm happy after meeting with KURT. I was able to get my loan of $200,000. now my business is going well and I want you all to know this today because they are fast and 100% reliable. Now I'm paying the loan I got from the company from uni-credit loans all over the world. Get in touch with them and don't waste time with those lenders: send an email to elmamilitansapla@gmail.com via WhatsApp to: +1(217)290-6702

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May 3, 2023

The people at Q-Financial are great. I got to work with Michael and Quinto, both are highly professional, knowledgeable and personable. You can tell that they genuinely care about you getting the best possible outcome and work tirelessly to help you out. Highly recommend using them if you want some people that will go the extra mile and take on the extra stress so you can focus on finding your perfect home. Thanks guys for all your hard work!

Cherie Samson
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April 19, 2023

Michael and Quinto were so great at helping us with our home loan. As first home buyers we has no idea where to start, they were able to help with all our questions, find great rates and get the most for us. The communication was great as they were able to schedule important calls with us, that fit in with our busy lifestyles. They made the process painless. Working with these guys meant I wasn't worried about the home loan so we could focus on finding our first home, which we did!!. Thanks Michael and Quinto!!

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April 19, 2023

Michael and Quinto were very helpful throughout the process of applying for a mortgage. They were very knowledgeable and easy to communicate with. Would definitely recommend

Camille Lagana
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April 18, 2023

Quinto and Michael at Q Financial were exceptional with helping us to purchase our home. They were incredibly prompt and professional, as well as being accomodating and flexible with our busy schedule. Being a doctor, Quinto was able to liase with the bank regarding loans specific for health professionals. I couldn't recommend more highly.

Chris Casey
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April 8, 2023

Best in the business, we are going through the construction loan process and due to the current industry climate have had so many changes in circumstances weather it be building companies going into liquidation or the interest hikes to name a couple these guys have stuck by us and guided us every part of the way cannot recommend them highly enough.

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April 8, 2023

Great service would highly recommend for anything mortgage related! Quinto and Michael are the best in the business and go over and above to help, thank you :)

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March 23, 2023

Q goes the extra mile. Great work.

Caleb Howell
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March 8, 2023

Quinto and the team provided me with top notch service when it was time for refinancing my home. Not only did they guide me through taking over sole title of my property but also securing a great rate. I was grateful that I had a direct line to Quinto and Michael when questions came up opposed to customer service at a big bank. Cheers

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January 30, 2023

Q financial was amazing! We were referred to them by a friend after the first broker we used got flaky. They took the time to make sure we understood everything, compared all the best loans and saved us thousands! They were on top of everything for the whole process even when our settlement got moved forward! Michael and quinto are amazing I can’t recommend them highly enough!!

jai gennat
jai gennat
December 13, 2022

Quinto and Micheal from Q Financial made refinancing our mortgage very easy and helped us get a very competitive interest rate. We were kept up to date the whole way through the process. I would highly recommend Q Financial.

Bec Boo Yall
Bec Boo Yall
recommends
December 13, 2022

Quinto and Michael have been fantastic to work with. They were able to simplify financial terms, give well-researched recommendations and advice. I loved how easy it was to communicate with the team throughout the process. I'd highly recommend them to anyone in need of their service.

B BOY
B BOY
December 13, 2022

Quinto and Michael have been excellent to work with. They were able to simplify financial terms and help me understand all the logistics and paperwork throughout the process. Would 100% recommend to anyone looking to buy or refinance.

jasmine preston
jasmine preston
November 3, 2022

Q financial were super helpful and walked us through everything Highly recommend using them

Meg Galloway
Meg Galloway
October 27, 2022

Best in the business. Quinto & his amazing team are outstanding. Such great people to work with. They're communicative at every step of the way and worked hard to get the best outcome for us. I work in financial services and deal with A LOT of brokers. Q Financial are by far the best in the industry. You're in safe hands, highly highly recommended. Unbeatable service. So much more than a typical broker, they checked in with us every step of the way, they do goal setting and Financial plans, they even do annual reviews to make sure you're always in the best product - just the best!

Akinyemi Abiodun Christopher
Akinyemi Abiodun Christopher
recommends
June 5, 2022

Today I am grateful to Brenda William for her great offer and help because she really changed my financial situation with an investment capital of $1,000 I’m making $9,000 profits per week right now. If you need her help, contact her via 👇🏻 Email: brendawilliam784@gmail.com WhatsApp: +1 (754) 400-0330 I advice you shouldn't hesitate to message her.

b mar
b mar
June 3, 2022

Amazing communication by the Quinto and Michael from Q financial. This is the second time we have used their services and will be engaging with them again when required. Professional, punctual and very informative. Highly recommend

ChilloutHakk
ChilloutHakk
June 2, 2022

Down to Earth and clear open lines of communication throughout the whole process of purchase. The team make a great unit. Definitely recommend, couldn’t be happier about the service. 👍🏼👍🏼👍🏼👍🏼👍🏼

Heidi
Heidi
June 1, 2022

Amazing team at Q Financial! Communication is great & and he even made time after hours (once the kids were in bed) to chat with us! Would highly recommend Quinto!

Jackson Simon
Jackson Simon
May 12, 2022

Great experience working with Q Financial. Quinto and the team got our loan approved, assisted us to find a competitive loan from an ethical provider and are fantastic communicators. Would definitely recommend to anyone.

Dave P
Dave P
April 22, 2022
Sophie Holmes
Sophie Holmes
March 29, 2022

As we are first home buyers, Quinto and Michael made the daunting process much easier. They were always available and very responsive with any questions we had. Very happy cusomers and would highly recommend to anyone needing professional lending advice and services. Happy home owners now thanks to the both of them

Jeremy Day
Jeremy Day
February 21, 2022

Quinto and Michael did a fantastic job with very short notice to get finance approved for a very short settlement. They went above and beyond battling through extremely complex business structures and coordinating with the banks.

jennyfromthegym
jennyfromthegym
February 8, 2022

Quinto and Michael were so helpful in providing mortgage advice and helping us achieve our goal of remortgaging an investment property and purchasing our dream house. Highly recommended!

Alicia Matthews
Alicia Matthews
November 25, 2021

We've worked with Quinto and his team to purchase 3 properties so far and intend to use them when we purchase our next property. They make the process so easy and stress free and provided a service that is individualised and suited to our needs. As a Trainer in adult education, I don't really have flexibility in my work day for meetings, but Quinto had always been flexible to suit my schedule. I would highly recommend Q Financial to anyone looking to purchase a property. They are awesome!!

Julia Ehemann
Julia Ehemann
November 15, 2021

Quinto & Team are informative, prompt, professional & dedicated. Can recommend highly !

Joseph Bailey
Joseph Bailey
November 10, 2021

Quinto and his team did an absolutely outstanding job in helping us secure a home loan and buy our first property. Professional, experienced and so easy to communicate with. Couldn't recommend them enough!

Melanie Singh
Melanie Singh
November 8, 2021

As first home buyers, Q Financial made the entire process of getting a loan straight forward. They accommodated our needs, were knowledgeable and professional. We highly recommend their service!!

Tim Wilson
Tim Wilson
November 1, 2021

Had such a great experience with Quinto and the team at Q Financial. We bought our first property with them after being recommended by a friend. They guided us through every step of the process and can’t recommend them enough.

Sara Schepis
Sara Schepis
recommends
October 4, 2021

Quinto and Michael were extremely helpful when assisting my partner and I to buy our first home. We are based in Melbourne so they organised zoom meetings to find out our needs and talked us though our options. If I ever had any questions, Michael was only one call away. They went above and beyond other brokers I had spoken with previously. Thanks Guys!

Sara Schepis
Sara Schepis
October 4, 2021

Quinto and Michael were extremely helpful when assisting my partner and I to buy our first home. We are based in Melbourne so they organised zoom meetings to find out our needs and talked us though our options. If I ever had any questions, Michael was only one call away. They went above and beyond other brokers I had spoken with previously. Thanks Guys!

scott neale
scott neale
September 16, 2021

Q financial were such great mortgage brokers to deal with. From start to finish the whole process was very streamline and both Quinto and Michael made us feel very comfortable with their extensive knowledge of the industry, by explaining every daunting detail thoroughly, and making each step of the way easy to understand. Will definitely be working with them for future investments and refinancing. Thanks a lot guys!

Matthew Collins
Matthew Collins
June 16, 2021

Quinto and the team made the process of buying my first place really easy. Great communication and enabled me to borrow with an ethical bank that doesn't invest in fossil fuels. Highly recommended.

Linda Dalton
Linda Dalton
May 11, 2021
ariel tobey
ariel tobey
May 2, 2021

Great experience with Q Financial. We have re financed several times over the years and these guys are the best. They went above and beyond to make sure that the process was as smooth as possible. Highly recommend them!

Dylan Smith
Dylan Smith
January 25, 2021

Quinto & Michael were so helpful, were always ready to look after us and explained the process to my partner and i every step of the way. They helped us achieve our goal securing a home loan and i couldn't recommend their service more!

Lewis White
Lewis White
recommends
September 21, 2020

Quinto made what was a tedious process talking to banks into something easy and understandable. My partner and I will be talking to Quinto for any future loan requirements. Thanks for all your help Quinto!

Anthony Laye
Anthony Laye
recommends
February 17, 2020

What A Service! Quinto made what could be a daunting and complex process like a walk in the park. We had a few challenges that we were up against (self employed, time & low deposit) and Quinto came up with a solution that worked. Thank you for getting our family in our own home. 5 STARS ⭐️⭐️⭐️⭐️⭐️

Anthony Laye
Anthony Laye
February 17, 2020

Quinto's service is second to none. We were looking for finance faced with 3 major challenges (self employed, short time frame, low deposit). Quinto found an amazing solution and turned what was a stressful situation in to an easy process. I would encourage anyone looking for finance to give Quinto a call..... AMAZING!

Nicola Laye
Nicola Laye
February 17, 2020

We recently purchased our first home in Australia, I can't thank Quinto enough it was a smooth, hassle free process, Quinto explained everything clearly. Being self-employed a home loan can be hard to achieve but he helped guide us through with efficiency and a calm approach. I would 100% recommend Quinto to anyone looking for finance. Thank you Quinto..

Brian Grose
Brian Grose
recommends
October 22, 2019

Quinto is always willing to work with you to get you the best deal for your situation. He's always easy to talk to and a pleasure to deal with, plus he's one of the most genuine people you'll meet! Thanks again!

Adam Armitage
Adam Armitage
recommends
September 29, 2019

Great guy and great at what he does