A smarter way to fund your renovation

Ross’s Discount Home Centre can help you bring your kitchen, bathroom, laundry or home improvement plans together.
Michael Fairclough can help you explore a practical way to pay for them.

Book a free chat with Michael
michael fairclough

Meet Michael Fairclough – Ross’s mortgage broking partner

Michael’s connection with Ross’s Discount Home Centre began long before this partnership.

Ross’s is operated by Michael’s uncle Ross and cousin Simon, and Michael worked alongside the team as a teenager. It was there that he first saw the importance of honest advice, reliable service and looking after every customer who walks through the door.

Although Michael’s career ultimately took him into finance, he has remained closely connected with the family business. Partnering with Ross’s to help customers explore their renovation finance options was therefore a natural fit.

Michael now has more than 17 years’ experience in the finance industry, including more than five years as a mortgage broker with The Loan Company.

How could you fund your renovation?

Whether you are replacing a tired bathroom, installing a new kitchen or planning a larger home improvement project, deciding how to fund the work can be just as important as choosing the products.

Depending on your circumstances, Michael can help you explore options such as:

accessing available equity in your home;

refinancing your existing home loan and releasing funds for the renovation;

arranging a personal loan for a smaller project; or

reviewing your current lending to determine whether borrowing for the renovation makes financial sense.

The right approach will depend on factors including your available equity, income, existing commitments, project budget and longer-term plans.

Michael will explain the available options, likely repayments and important trade-offs in straightforward language, so you can make an informed decision before committing to the project.

And when additional borrowing does not stack up, he will tell you that too.

Experienced, practical advice

Michael is accredited with more than 30 banks and lenders and has settled more than $100 million in loans.

Rather than offering a one-size-fits-all product, he will take the time to understand what you are planning, what you can comfortably afford and how the renovation fits with your broader financial goals.

There is no obligation to proceed. Sometimes an initial conversation is all you need to understand what may be possible.

Planning a renovation?

Speak with Michael before you commit to the numbers. He can help you understand your finance options, establish a realistic budget and determine the next step.

Explore my renovation finance options

About Michael

Michael is a full member of the Mortgage & Finance Association of Australia, and holds a Certificate IV in Finance and Mortgage Broking and a Diploma of Financial Services (Finance and Mortgage Broking Management).

Outside work, he enjoys spending time with his wife and two young children, watching the West Coast Eagles (and enjoying all sport, particularly the NBA and golf) and maintaining a lawn that apparently requires almost as much attention as a home loan application.

Michael Fairclough provides credit assistance through The Loan Company. Ross’s Discount Home Centre does not provide credit assistance or determine whether a customer is eligible for finance.
Michael Fairclough is a representative of Harrisdale Pty Ltd ABN 59 088 462 140 trading as The Loan Company. Australian Credit Licence 386355.
Credit is subject to lender eligibility, assessment and approval criteria. Fees, charges, terms and conditions may apply.