Hey, has anyone here used a personal loan to fund home renos? We're thinking about finally updating our outdated kitchen – it's been driving me nuts for years, with those old benches that are chipping away and cabinets that barely close properly anymore. Last summer we got quotes and it came in higher than expected, so saving up fully just isn't happening quick enough. Curious about real experiences with approvals, rates, and if it was worth it in the end without messing with the mortgage.
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Mine was a similar disaster a couple years back, everything falling apart after the kids turned it into a war zone. Ended up going through a local broker who shopped around a bunch of lenders for me and found a decent unsecured option that got approved pretty fast. The repayments were straightforward and flexible enough that I could chuck in extra when I had spare cash from overtime. If you're looking into something similar, I checked out https://beaujohnsonfinance.com.au/personal-loans/ and it matched what worked for us – quick process, no hassle with the bank directly, and rates that weren't too bad after comparing. Made the whole reno less stressful, honestly, and now the place feels brand new.