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Kitchen Reno Cost

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Kitchen Reno Cost

Cooked up a budget for your kitchen reno cost and wondering how to fund it? 

Depending on your vision and the existing quality and style of the room, a kitchen upgrade can be a significant expense for homeowners and landlords once you account for the cost of kitchen appliances and replacing kitchen cabinets, as well as professional work. Luckily, MoneyMe and DVine Living are here to help.

Hosted by Dale Vine (of ‘The Block’ fame), DVine Living is a brand-new lifestyle series on 7Two. You can view every episode on the MoneyMe DVine Living page and learn the ins and outs of kitchen renos and many other DIY home improvement projects; and how you can use our home improvement loans to maximise your kitchen upgrade cost. 

MoneyMe offers unsecured personal loans of between $5,000 - $50,000. We only offer variable rate loans, which means you’ll know exactly how much your kitchen home improvement repayments will be for the full duration of your loan. 

It only takes minutes to apply online or using the MoneyMe app, and you’ll receive a response almost immediately. Depending on who you bank with, you’ll have access to your funds the very same day. So if you’re ready to get cooking, apply online to cover your kitchen reno cost today!

1. How much does a kitchen reno cost?

The average kitchen renovation cost in Australia falls somewhere between $15,000 - $40,000. Your kitchen renovation cost needn’t make you feel like crying over spilled milk, but planning is important.

If you’re looking to refresh your kitchen space within a small budget, a few simple DIY updates can go a long way. Modernising your kitchen colour palette with a fresh coat of paint on the cabinetry and walls and upgrading hardware on the cabinet doors can all easily be done yourself and are cost-effective ways to introduce your sense of personal style to your kitchen. Alternatively, painting the walls, adding a new splashback and swapping out your cabinet doors while retaining the core cabinet structure can also be extremely effective. 

It goes without saying that your kitchen reno cost will start to increase quickly if your renovation plan involves kitchen remodelling, i.e. increasing functionality by changing the layout or size of your kitchen. These types of kitchen home improvement will typically involve replacing or repairing the existing laminate, timber or tile flooring; and the purchase and installation of custom cabinetry and new appliances to fit the space. Due to craftsmanship and quality, the cost of replacing kitchen cabinetry can be significant. 

Similarly, the moving or the installation of new gas, plumbing or electrical sources to increase the functionality of your kitchen will require the services of a professional to ensure work is performed to code. 

To make sure you’re getting the most competitive kitchen reno cost, we recommend getting more than one quote for the work and materials you’re after, then adding in a contingency of around 10% - 15% for any unforeseen expenses on top of that.

2. What is the best way to finance a kitchen renovation?

MoneyMe offers two ways you can finance your kitchen 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. 

Our 100% online application process takes less than five minutes and doesn’t require messing around with uploads of supporting documents. 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.

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 first ask you about how much you’d like us to lend you for your kitchen upgrade and over what how long. After that, you’ll need to tell us about your income, employment status, daily expenditure, and any liabilities, savings, and assets.

Combined with your credit history, this information gives us an accurate picture of your borrowing capacity, including accounting for contingencies. It allows us to craft a personalised loan for your kitchen reno cost and any others you may be wishing to apply for as part of the same loan like a bathroom remodelwood heater installation costbuild carport cost or patio cost. 

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

Once approved, you’ll have immediate access to your MoneyMe Freestyle virtual Mastercard © It’s worth remembering that credit cards typically have a higher interest rate than personal loans. Still, they’re a fantastic tool if you can make your repayments in full within the 55-day interest-free purchase period. 

Visit MoneyMe online today and take advantage of our calculators and comparison tools to assess which product is best for your kitchen renovation, and you could be cashed up and ready to reno within minutes.

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Kitchen Reno Cost

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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