Low cost reno ideas for lifting your home’s value in 2025

By Gabriella Margerison · · 2 min read
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The summer holidays are right around the corner, and while the kids might be focused on fun and games, it could also be the perfect time to tackle some budget-friendly home renovations. Whether you’re looking to boost your home’s value before selling or just want to refresh your space, there are plenty of smart, cost-effective projects that can make a big impact without breaking the bank.

Start with a fresh coat of paint

Nothing transforms a space quite like a new colour palette. A weekend spent painting can refresh tired walls and breathe new life into your home. Neutral tones like whites, greys, and beiges are a timeless choice that appeals to a wide range of buyers. But if you're into going with the latest trends, according to the Dulux colour trends forecast 2025, rich burgundies and wine hues will become more prominent throughout residential interior design, alongside increased use of green including olive, sage and vibrant yellow-green in 2025^. 

Spruce up your street appeal

First impressions matter, so give your home’s exterior a little love. A tidy lawn, fresh mulch in garden beds, and a power-washed driveway can do wonders. You could even take it up a notch with a new letterbox, modern house numbers, or a freshly painted front door; small touches that make a big difference. 

Lighten things up

Dark, dreary spaces can make a home feel smaller and less inviting. Brighten up your interiors by updating light fixtures or adding LED bulbs for a modern touch. If budget allows, consider installing skylights or larger windows to bring in natural light; a surefire way to increase your home’s appeal.

Refresh your kitchen and bathroom

Renovating kitchens and bathrooms doesn’t always have to come with a hefty price tag. Swapping out old handles for sleek, modern hardware, replacing tapware, or re-grouting tiles are inexpensive ways to give these spaces a fresh look. If your cabinets are in good condition, a coat of paint and some new knobs can work wonders. Perhaps consider a small personal loan to kick things off.

Get creative with outdoor living

Aussies love outdoor entertaining, so a backyard revamp can add serious value. Consider building a deck or creating a cosy alfresco area with affordable furniture, lighting, and some lush greenery. Even a simple fire pit can add character and charm. Check out eBay and Facebook Marketplace for second-hand bargains to get the ball rolling.

Need a little help?

Not all renovations fit within the savings jar, and that’s where a personal loan could come in handy. With flexible repayment terms and competitive rates, a personal loan can offer a flexible way to fund home improvement projects without raiding your rainy-day fund. Compare top personal loans below.

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Last updated 21 November 2024 Important disclosures and comparison rate warning*

Personal loan comparisons on Mozo

  • New Car Loan

    • Fixed, Secured
    Interest rate from
    7.29 % p.a.
    to
    16.99 % p.a.
    Comparison rate from
    8.00 % p.a.
    to
    17.77 % p.a.
    Based on $30,000 over 5 years
    Upfront fee
    $499
    Go to site

    Competitive interest rates for vehicles up to 3 years old (new and demo). Maximum loan term of 7 years. No ongoing fees. Dealer/private sale acceptable. Pre-purchase approvals available.

  • Unsecured Personal Loan

    • Fixed
    Interest rate from
    7.24 % p.a.
    to
    19.99 % p.a.
    Comparison rate from
    7.24 % p.a.
    to
    21.49 % p.a.
    Based on $30,000 over 5 years
    Upfront fee
    $0

    Good borrowers are rewarded with low rates for loans from $5,000 to $80,000 on terms of 3 , 5 or 7 years. Fast 10 minute online application. Receive funding on the next day after approval.

  • Unsecured Personal Loan

    • Fixed
    Interest rate from
    6.75 % p.a.
    to
    26.95 % p.a.
    Comparison rate from
    6.75 % p.a.
    to
    26.95 % p.a.
    Based on $30,000 over 5 years
    Upfront fee
    $0
    Go to site

    Borrow up to $50,000 unsecured. Perfect if you earn more than $22,100 p.a. and have good to excellent credit. Multi-year winner of Mozo’s Experts Choice Unsecured Personal Loan Award, 2021, 2022, 2023 & 2024^'

  • Low Rate Personal Loan

    • Excellent Credit, $5,000 - $75,000
    Interest rate from
    6.57 % p.a.
    to
    8.39 % p.a.
    Comparison rate from
    7.19 % p.a.
    to
    8.75 % p.a.
    Based on $30,000 over 5 years
    Upfront fee
    $250
    Go to site

    Competitive low rates for borrowers with excellent credit on 1-7 year loans from $5,000 up to $75,000, plus free extra repayments. Winner of Mozo's Experts Choice Excellent Credit Unsecured Personal Loan 2024 and Excellent Credit Secured Personal Loan 2024 awards ^. Min. income of 25k after tax, to apply.

  • Used Car Loan

    • Fixed, Secured, No vehicle age limit, $5,000-$100,000
    Interest rate from
    6.57 % p.a.
    to
    18.99 % p.a.
    Comparison rate from
    7.19 % p.a.
    to
    21.78 % p.a.
    Based on $30,000 over 5 years
    Upfront fee
    $250
    Go to site

    Get a competitive fixed interest rate on a secured used car loan of up to $100,000 depending on your credit score. No vehicle age limits. Easy online application. Fast pre-approval. Pre-approved funds held for up to 3 months. No monthly account keeping fees, no exit fees and no early repayment fees. Flexible weekly, fortnightly or monthly repayments on terms from 1 to 7 years.

  • Used Car Loan

    Interest rate from
    8.49 % p.a.
    to
    16.99 % p.a.
    Comparison rate from
    9.21 % p.a.
    to
    17.77 % p.a.
    Based on $30,000 over 5 years
    Upfront fee
    $499
    Go to site

    Competitive interest rates for vehicles up to 20 years at beginning of loan term. Maximum loan term of 7 years. No ongoing fees. Dealer/private sale acceptable.

  • Green Car Loan

    Interest rate from
    5.79 % p.a.
    to
    15.49 % p.a.
    Comparison rate from
    6.49 % p.a.
    to
    16.26 % p.a.
    Based on $30,000 over 5 years
    Upfront fee
    $499
    Go to site

    Competitive fixed interest rates on battery electric vehicles. Loan terms of 1-7 years, borrowing starts at $5,000. Free roadside assist for 3 years included RACV Total Care. No ongoing fees. RACV members may receive discounted interest (T&Cs apply).

  • New Car Loan

    • Fixed, Secured, $5,000-$100,000
    Interest rate from
    6.57 % p.a.
    to
    18.99 % p.a.
    Comparison rate from
    7.19 % p.a.
    to
    21.78 % p.a.
    Based on $30,000 over 5 years
    Upfront fee
    $250
    Go to site

    Get a competitive fixed interest rate on a secured new car loan of up to $100,000 depending on your credit score. Easy online application. Fast pre-approval. Pre-approved funds held for up to 3 months. No monthly account keeping fees, no exit fees and no early repayment fees. Flexible weekly, fortnightly or monthly repayments on terms from 1 to 7 years.

  • Debt Consolidation Loan

    • $5,000-$75,000
    Interest rate from
    6.57 % p.a.
    to
    18.99 % p.a.
    Comparison rate from
    7.19 % p.a.
    to
    19.39 % p.a.
    Based on $30,000 over 5 years
    Upfront fee
    $250
    Go to site

    Competitive fixed rates on loans up to $75,000 depending on your credit score. Zero monthly account keeping fees, no exit fees and no early repayment fees. Make weekly, fortnightly or monthly repayments, over 1 to 7 years managed entirely online, at any time. Fast and easy, 100% online application.

  • Secured Personal Loan

    • $5,000-$75,000
    Interest rate from
    6.57 % p.a.
    to
    18.99 % p.a.
    Comparison rate from
    7.19 % p.a.
    to
    19.39 % p.a.
    Based on $30,000 over 5 years
    Upfront fee
    $250
    Go to site

    Get a secured personal loan with competitive low rates for borrowers with excellent credit. A simple fixed interest rate that can be repaid weekly, fortnightly or monthly, over 1 to 7 years (10 years for Green Loans). Managed entirely online, at any time. No monthly account keeping fees, no exit fees and no early repayment fees. Quick and easy, 100% online application. Establishment fees apply.

  • Express Personal Loan

    • Secured
    Interest rate from
    16.95 % p.a.
    to
    29.95 % p.a.
    Comparison rate from
    32.99 % p.a.
    to
    45.5 % p.a.
    Based on $10,000 over 3 years
    Upfront fee
    $1,190
    Go to site

    Access fast finance on loans from $3,000 to $25,000 with a Jacaranda Finance Personal Loan. Terms from 25-36 months. Check if you qualify with no impact on your credit score. Enjoy a speedy, online approval.

  • Unsecured Personal Loan

    Interest rate from
    6.56 % p.a.
    to
    21.99 % p.a.
    Comparison rate from
    6.56 % p.a.
    to
    22.79 % p.a.
    Based on $30,000 over 5 years
    Upfront fee
    $499
    Go to site

    Competitive fixed rates for borrowers on 1-7 year loans from $5,000 up to $50,000. $0 monthly fees and no early repayment fees to pay. Fast application process on the Revolut app. According to Revolut and subject to loan approval, you'll receive your money into your Revolut account straight away.

  • Used Car - Unsecured Personal Loan

    Interest rate from
    6.56 % p.a.
    to
    21.99 % p.a.
    Comparison rate from
    6.56 % p.a.
    to
    22.79 % p.a.
    Based on $30,000 over 5 years
    Upfront fee
    $499
    Go to site

    Competitive fixed rates for borrowers on 1-7 year loans from $5,000 up to $50,000. $0 monthly fees and no early repayment fees to pay. Fast application process on the Revolut app. According to Revolut and subject to loan approval, you'll receive your money into your Revolut account straight away. Eligibility criteria applies.

^https://www.dulux.com.au/colour/colour-trends/2025-forecast/

* WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

^See information about the Mozo Experts Choice Personal Loan Awards

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