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Patio 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.

Patio Cost

Feeling uncertain about your dream patio cost?

Adding a patio is a simple way to extend your living space and enjoy Australia’s beautiful outdoors in any season. A quality patio offers endless possibilities, from entertainment and relaxation to storage. It’s also a great way to add instant value to your property.

If you’re ready to DIY a flat-roof patio or are dreaming of custom gable-roof grandeur, MoneyMe offers a range of home improvement loans to cover your patio installation costs.

Apply online today for one of our low-rate loans to help with your renovation costs and receive a quick response, with funds between $2,100 and $50,000 available the same day for most successful applicants.

How much does it cost to install a patio?

The average cost of patio installation is around $200 per square metre; however, your patio cost can vary greatly depending on the site and size of the patio. Some builders will charge per hour, others per square metre. It’s important to get more than one professional quote to ensure your patio costs, including all planning, material, and construction costs, are competitive.

The final patio extension cost will be determined by a number of factors, including the size and design of your patio, the types of material and quantities used, how much preparation your existing outdoor space needs, e.g. if you have an existing timber deck or concrete paving or if additional soil preparation and landscaping is needed before install, and any labour or construction costs.


The most simple - and popular - patio design features a flat roof that extends directly out from an existing building. By utilising your existing property walls as supports for part of your patio, you can save on construction and material costs. Flat-roof patios are the quickest and easiest to assemble, require the least maintenance, and come in pre-cut DIY kit sets as well as custom sizes.

Gable-roof patios offer a sense of grandeur and suit both heritage and modern homes. Their high-pitched A-frame roof and support beams allow them to be insulated and provide the option of additional feature elements such as outdoor fans to help with air circulation on those hot summer nights.

Depending on the size of your outdoor space, you might consider getting a quote for your patio as part of an overall veranda cost.


When considering your patio cost budget, it’s important to understand the benefits of different roof and deck/paving materials. Not only will this have a significant impact on the final look of your patio, but it can affect the insulation, longevity, and durability of your patio over time.

Patio roofs are traditionally made from one of two materials:

Colorbond is an opaque metal and provides full protection from Australia’s harsh UV rays. It comes in a huge range of colours to suit any outdoor setting and existing building and provides good insulation from all weather conditions.

Polycarbonate is a semi-transparent plastic composite material. It allows the natural light to pass through, making it a great solution for patios in smaller spaces or which cover significant windows of your home. It’s also great for greenhouses and swimming pool roofs.

Many outdoor patios take advantage of each material and are built from a combination of colorbond as the primary roof material and a couple of strategically placed polycarbonate panels. This allows natural light to filter through and maintain a sense of airiness and spaciousness.

Timber Deck vs Concrete Paving

Choosing the right type of flooring for your patio is crucial for its longevity and will impact your overall patio cost. Typically, patios are built over either a timber deck or concrete backyard paving. Each offers an individual aesthetic; however, there are pros and cons to each.

A timber deck is typically a cheaper floor covering for your patio. As an elevated structure, it can easily accommodate any slopes and rough terrain on a tricky worksite, meaning there is less landscaping to be done prior to patio install. In the long run, however, a timber deck will require more maintenance than pavers. It will need re-sanding and re-sealing over time, and planks will eventually need to be replaced.

Concrete pavers are significantly more durable than timber. However, they require a flat surface and careful install. Depending on the complexity of your tile or paver design and the suitability of the outdoor space where they will be laid, this can quickly drive your patio cost up due to landscaping and installation time.

Concrete provides a solid, no-flex, non-slip surface. If you have lots of children who tend to run and jump a lot, it may be the better choice for your patio floor for long-term durability. Concrete also requires significantly less maintenance over time than a timber deck and can be easily cleaned using a high-pressure hose.

What is the best loan to cover the cost of installing a patio?

MoneyMe offers unsecured fixed rate personal loans from $2,100 to $50,000. Once you’ve worked out your patio cost and how much you’ll need to borrow, you can apply online and receive a response within minutes. Depending on who you bank with, you can even expect the funds in your account the same day.

For more ideas on how a MoneyMe personal loan can help you with your patio extension cost and other home improvement ideas, such as a kitchen upgradebathroom remodel or perhaps a wood heater installation cost, be sure to view the full season of mini-episodes of DVine Living hosted by Dale Vine on MoneyMe's DVine Living page.

Our customers

Patio 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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