Hi all We are looking to undertake some renovations to our PPOR (about $150k value). Post-APRA we don't have the serviceability to access spare equity in our current properties nor to get a construction loan to fund renos. We were looking at selling another property next year to fund the renos, but husband is keen to get moving sooner if possible. We have some savings available that would we could put towards the renos, but not enough to complete. Brainstorming how we could move ahead the idea of a personal loan came up. Can anyone comment on how lender serviceability requirements for personal loans compare with home loans? Could this be an option for us even though we can't access any home loan funds? I have looked at our cashflow and am comfortable that we could handle the repayments, even though they would be higher than a home loan. We are looking at other options as well including staging renos, increasing incomes to improve serviceability etc. Thanks.