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Small bathroom renovation

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Example interest rate

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.

Small bathroom renovation cost

Are you planning on doing a bathroom remodel and wondering how much a small bathroom renovation costs? Even though the bathroom is often one of the smallest sized rooms in your house, given how much time we spend in there each day, you’ll want it to make it a room that you like being in. Depending on whether you are giving your bathroom a minor style makeover or an extensive redesign and overhaul, small bathroom renovation costs can vary significantly.

There are many different renovation costs to consider when you are doing a small bathroom renovation in Australia. Firstly, are you keeping the plumbing as it is, or are you changing the bathroom layout? If your current bathroom is small and feels poky, you may find by redesigning the layout, you can create a more functional bathroom that looks amazing, too. For example, by moving floor pipes behind the wall, you can create extra space and a more streamlined and stylish look. However, by doing this, the small bathroom renovation costs will be higher. Hiring professional plumbers is not cheap, but it is one of the bathroom remodelling costs you’ll need to factor in.

Another bathroom renovation cost to consider is tiling. Tiles can look beautiful, but they are also time-consuming to lay, and you’ll want to make sure they are installed properly. Ventilation is also a factor to consider when renovating a small bathroom to help prevent mould and make sure that you get good airflow. Other small bathroom renovation costs can include heating, waterproofing and lighting, and you’ll also need to factor in the cost of an electrician or other tradies as required. Then there’s the cabinets (and associated carpentry costs), tapware, toilets, bathtub, shower, basins and other bathroom accessories. All these can vary in cost significantly depending on the quality, the brand and what they are made out of. In some cases, it may be worth paying more to get a premium product that is more durable, but you’ll need to shop around to find what will work best for your bathroom.

How to apply for a loan to cover the cost of a bathroom renovation?

If you are thinking about home improvement loans to cover your small bathroom renovation costs, there are several different types of loans on the market. If you are looking for a personal loan with variable interest rates, MoneyMe offers personal loans from $5,000 up to $50,000. With a seamless online application process, fast approval and flexible repayments, it can be a hassle-free way to get extra money in your bank account quickly.

To apply for a MoneyMe personal loan for bathroom renovations, you’ll need to be at least 18 years old, currently employed and an Australian citizen or resident. If you meet this criteria and are ready to apply, simply head to our website and click on “Apply Now”, or download the MoneyMe app so you can apply directly via your mobile phone or tablet. When assessing your loan and looking at your credit report, we’ll also consider other factors such as your income, living expenses, and debt obligations so that we can see the whole picture. Being responsible lenders, we want to make sure you get a loan with a personalised interest rate and repayments that are affordable for you. MoneyMe provides a free personal loan calculator that allows you to play around with variables such as the loan amount and repayment duration so you can see what will work best for you.

Once you’ve done a budget and worked out how much you expect your bathroom renovation to cost, if it only ends up being a small amount of money you need to borrow, another option is to pay for your small bathroom renovation costs with a credit card or line of credit. Although the interest rates on these products are generally higher than for personal loans, if you know, you’ll be able to repay the money during the interest-free period, this might be a cost-effective solution. With the MoneyMe Freestyle virtual Mastercard®, you can apply for a line of credit up to $20,000. The virtual card can be accessed via your smartphone and used for Tap n Pay in-store and online purchases, or you can even send money directly to your bank account. MoneyMe is transparent with our costs, so you can compare our personal loans and credit cards to see what is most affordable for you. Contact MoneyMe today and see how we can make your dream bathroom become a reality. 

What costs does a renovation loan cover?

From bathroom fittings costs or shower renovation costs to bathroom installation costs and bathroom floor remodel costs, if you apply for a personal loan with MoneyMe, it can be used to cover almost anything associated with your small bathroom renovation or new bathroom cost. From sinks and basins to plumbing and labour costs, we’ve got your small bathroom renovation costs and kitchen renovation costs covered.   

With a MoneyMe personal loan, you can start your bathroom renovation, kitchen home improvements or other home renovation project sooner without paying anything upfront. View the range of mini-webisodes from the TV show Dvline Living with Dale Vine to learn more on how a MoneyMe low rate personal loan could be the solution for your next home project. Each episode features big and small renovation projects – from bathroom and kitchen upgrades to backyard paving and carport building, so be sure to tune in!

Our customers

Small bathroom renovation

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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