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Bathroom Reno Cost

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9.20 %

Comparison rate*

10.58 %

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Disclaimer: This calculator provides an estimate 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. Any calculations made by you using this calculator is intended as a guide only.

Bathroom Reno Cost

Done a lot of careful planning and grudgingly made some style compromises but still a little surprised by your bathroom reno cost? Never fear – MoneyMe is here!

We offer quick, unsecured low-rate home improvement loans of between $5,000 and $50,000. You can apply online in a matter of minutes and get a response in about the same. Depending on who you bank with, you can even have the funds for your bathroom remodel in your account by the close of business day.

We’re also the official finance partner of DVIne Living, a brand-new home reno show hosted by Dale Vine (of ‘The Block’ fame). You can catch every episode on the MoneyMe DVine Living page and learn the best bathroom renovation and finance tips to maximise your MoneyMe personal loan for home improvements.

What is the cost of renovating a bathroom?

When it comes to a bathroom reno cost, the sky’s the limit. How high your bathroom renovation cost is will ultimately depend on the scale of works you’re planning to undertake and the quality of fittings you’re hoping to install in your new space.

Are you simply wanting to refresh your bathroom style – perhaps some new paint, replacing old tapware and fittings and new accessories, or are you dreaming of luxury and redesigning the layout of your bathroom and moving the water and wiring? It goes without saying that the more significant your structural changes, the higher your bathroom reno cost will be.

The average cost to renovate a bathroom in Australia is $15,000 - $25,000. This will typically involve some structural work, like relocation of one or more plumbing fixtures like the sink, toilet, shower, or bath, new lighting and electrical points, or premium finishes like tiling or floating cabinetry.

To help budget for your new bathroom cost, first, work out which renovation jobs you can (safely!) DIY and which you’ll need to engage a professional builder, plumber, or electrician for (hint: anything involving structural plumbing changes or electrical wiring requires a professional to ensure compliance with building and insurance codes). Luxury cabinetry, such as a floating vanity, will typically require professional carpentry to install securely.

Next, consider your bathroom fittings cost. Elements like tiling, while spectacular, can also be extremely expensive – and labour intensive – depending on the style and space you choose to cover. To lower the cost, you might consider using acrylic instead of porcelain or only tiling the wet areas, such as flooring and the walls around the basin, bath, and shower.

Whatever your bathroom dreams, MoneyMe can help you make them a reality.

How to finance a bathroom renovation?

MoneyMe offers two ways you can finance your bathroom reno cost.

We offer unsecured personal loans between $5,000 - $50,000 at competitive rates, with a quick response time and funds delivered to most accounts the same day. To be eligible to apply, you’ll need to be at least 18 years of age and an Australian citizen or resident for tax purposes.

Our 100% online application process takes less than five minutes and doesn’t require messing around with uploads of supporting documents. You can apply directly via our website (just click ‘Apply Now’) or from your mobile phone or other device by using the MoneyMe app.

We’ll ask you about how much you’d like us to lend you for your small bathroom renovation costs and over what period of time. Once we know that, you’ll need to tell us about your employment and income, daily expenditure, and any liabilities, savings, and assets.

As a part of the assessment process for your bathroom reno cost loan, we’ll also take a look at your credit history. There have been changes in the way that credit is reported and recorded. Whereas previously, your credit file only reflected any negative activities, such as where you may have missed a bill or defaulted on a line of credit, the new, comprehensive method of credit reporting allows us also to see your positive credit behaviours. This means all your regular, on-time repayments are recognised, creating a much clearer, fairer, and more positive borrower profile.

Once you’ve completed the online loan application form, we’ll ask you to sign in to your online bank platform. It’s important to note that we don’t receive access to your account - our system simply requests a 90-day transaction statement in PDF read-only format from your bank. After receiving it, we’ll use it to confirm the information you provided around income, existing debt, and other expenses in your application.

Combined, this information gives us an accurate picture of your current borrowing capacity, including accounting for contingencies. It allows us to craft a personalised loan for your bathroom reno cost and any others you may be wishing to fund, like a kitchen upgrade or patio cost.

Alternately, you may consider covering your renovation costs with a credit card or line of credit. The MoneyMe Freestyle virtual Mastercard © offers credit of up to $20,000 to approved applicants. Accessed exclusively via your smartphone, you can use the card both online and in-store via Tap n Pay or even transfer funds straight to your bank account.

MoneyMe believes in responsible lending. We’re transparent with our application process and with our costs, and we won’t charge you for early repayments (in fact, we encourage them!). So, visit us online, and take advantage of our calculators and comparison tools to assess which product is best for your bathroom renovation. Once you’ve decided, the rest is easy!

Our customers

Bathroom Reno Cost

Fast, fair and easy. Very happy customer. Happy to get another loan in the future from MONEYME.

Simple process, easy to follow application, quick response time and good support.

I was impressed with how easy and quick the application was. Very happy with their customer service, and the app is very convenient.


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Transparent and
simple pricing

Interest rate

9.20 %
to 25.20 %

Comparison rate*

10.58 %
to 26.58 %

Establishment fee
(Direct applications)

$395 for loans between $5,000 and $15,000

$495 for loans between $15,001 and $50,000

Monthly fee


Loan terms

Minimum 3 years

Maximum 5 years

Early exit fees


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