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New bathroom cost

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Example interest rate

6.25 %

Comparison rate3

7.64 %

Total charges


Total repayments


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. Any calculations made by you using this calculator is intended as a guide only.

New bathroom cost

If you are thinking about doing a new bathroom installation, one of the first questions you might ask yourself is how much does a new bathroom cost in Australia? Bathrooms come in all different shapes and sizes, and the cost of installing a new bathroom can vary significantly from home to home. From updating your taps and bathroom fittings to doing a complete bathroom remodel that requires changing the layout of the plumbing or installing new walls or floors, costs to renovate a bathroom can vary from a couple of thousand dollars up to $40,000 plus for a luxury premium-quality bathroom.

A small bathroom renovation costs less than a complete overhaul, so if you are on a tight budget, there are many ways you can improve your bathroom without replacing everything. Doing up a bathroom isn’t cheap, but even just making some small improvements can make a difference to the look and feel of your bathroom space, and it may even add value to your property.  

Before going ahead with your bathroom installation or renovation, you’ll need to do a budget to see what a new bathroom costs in Australia and whether what you are planning is affordable. To give you a better idea of how much a new bathroom costs, you can begin by gathering up some quotes based on what you want to do and start creating a budget.  When doing a budget for your bathroom renovations, there are several new bathroom costs to consider. Firstly there’s the bathroom fittings costs such as the vanity, shower, tapware, ceramic tiles, lighting, bathroom accessories and more. You’ll also need to factor in the labour costs, such as the cost to retile the bathroom, do the waterproofing, or the bathroom floor remodel costs. Labour costs such as designers, plumbers, electricians, builders and other tradespeople can make up a big part of bathroom renovation costs. Depending on how handy you are, some of the work might be DIY, but a lot of it, such as the plumbing and electrical work, will need to be left to the professionals. If you are replacing an existing bathroom, you’ll also need to factor in demolition and rubbish removal costs.

What is the best way to finance a new bathroom?

Whether you need to cover shower renovation costs or complete bathroom refit costs, in many cases, if you want to get started on your bathroom renovations, you’ll need to borrow some money to do so. Everyone’s financial situation is different, so once you’ve collected some quotes and worked out how much installing a new bathroom costs, you’ll need to weigh up your different financing options and decide which borrowing alternative best suits your circumstances.

Options include using the equity in your home to redraw money if you have made additional repayments, topping up your existing home loan or refinancing your home loan. Another alternative is to apply for a construction loan where you get your payments progressively, or you could apply for home improvement loans where you get a lump sum of money upfront and pay it back in regular instalments. If you take out a fixed-rate unsecured personal loan, you won't need to provide an asset as collateral, and your repayments will stay the same over the loan period, so you’ll be able to plan and budget more easily.

Depending on how much money you need to borrow for your bathroom renovations, you could also consider paying for it using a credit card or line of credit rather than borrowing a lump sum. The interest rates on a credit card or line of credit will typically be higher than a personal loan. But, if you can afford to pay back the balance within the interest-free period, it could be a viable alternative.

ListReady, MoneyMe’s product, offers an easy pay-later solution that helps vendors cover the costs of minor home renovations, styling and staging, advertising, and more. If you’re looking to sell your home and need a little extra to sell your home faster without any credit checks, ListReady might be the perfect solution for you. Visit the ListReady website or ask your agent about it to learn more.

How to apply for a loan to cover the costs of a new bathroom?

If you decide that a personal loan is the best way to finance your new bathroom, MoneyMe offers fast and easy unsecured personal loans from $2,100 to $50,000. With our no fuss, no paperwork online application process, you should be able to complete your application in a matter of minutes. This is great news if you are keen to get started on bathroom renovations sooner rather than later! Using our advanced technology, we can assess the loan very quickly too, so you won’t have to wait long for an outcome. If your loan is approved and you agree to the loan terms, we can transfer the money straight away. Transfer times will vary depending on who you bank with, but in many cases, the funds can be in your account on the same day.    

Can't wait to start creating your dream bathroom? MoneyMe has got all your bathroom or any other house renovation costs covered. From kitchen home improvements and kitchen upgrades to build carport costs with home improvement loans up to $50,000, you can start your project now and pay later in easy, fixed instalments for up to 5 years. If you'd like to get more ideas on how a personal loan can help you with home upgrades, be sure to visit the MoneyMe DVine Living page to view the range of mini-episodes of the renovation TV show DVine Living hosted by Dale Vine!

Our customers

New bathroom cost

Unbelievably easy finance when I needed it the most. A huge thank you from me and as a returning customer I know that I am getting a fair deal.

After 5 to 10 minutes of filling up my application, my loan has been approved and the money was in my bank account. I had a great experience that is why I'm giving them a 5-star rating. Excellent service. Thank you very much, MoneyMe.

Amazing through and through. MoneyMe helped me out when no one else would and they have been a delight to deal with. I 100% recommend their service. They're an absolute joy to deal with!


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Transparent and
simple pricing

Interest rate

6.25 %
to 19.95 %

Comparison rate*

7.64 %
to 21.32 %

Establishment fee

$295 for loans between $2,100 and $5,000

$395 for loans between $5,001 and $15,000

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

Monthly fee


Loan terms

Minimum 1 year

Maximum 5 years

Early exit fees


*This comparison rate is based on an unsecured personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. A $495 establishment fee and $10 monthly fee applies.

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