36 Months Interest Free Finance
Renovate now, pay over time — stress-free
If you’ve been postponing your renovation while saving up or waiting for bank approval, Affordable Home makes it easy to get started sooner. With our 36 Months Interest Free Finance option (7.5% surcharge applies), you can enjoy your upgraded home now and spread the payments over time.
Whether it’s a full-house renovation, kitchen, bathroom, or interior upgrade, you don’t need to wait. Ask our team about our long-term finance options to see if you qualify. We also offer extended finance promotions that change throughout the year.
We recommend paying off any remaining balance before the interest-free term ends.
Lending criteria, fees, and standard terms apply.
What Is It?
36 Months Interest Free Finance – Affordable Homes
Take advantage of flexible finance options designed to make renovating easier.
- 36 Months Interest Free on renovation purchases over $5,000 (7.5% surcharge applies)
Service List
Need any helps?
Have a project in mind? Need a quote? Or simply have questions about how we work?
How Does It Work?
Getting finance through Q Card with Affordable Home is simple. Renovate now, pay later — hassle-free.
Apply Online
We’ll send you a link to complete the Q Card application for the amount you need.
Get Approved
Approvals for amounts up to $10,000 are usually instant.
For $10,000+, approval typically takes 3–5 days through Q Card’s lending team.
Ready to Start
Once your finance is approved and you confirm the project, we schedule your renovation and handle the rest.
Project Underway
Funds are drawn down from your approved limit at each agreed project milestone.
Completion & Sign-Off
When the renovation is finished and signed off, the final balance is processed by our accounts team.
Interest-Free Term Begins
Your 36-month interest-free period starts once the full payment has been drawn.
Minimum monthly payments of 3% of the closing balance or $10 (whichever is greater) apply throughout the term.
Terms and Fees
What does “interest free” mean?
Interest free means you can complete your renovation now and pay it off gradually without interest during the set period. A minimum monthly payment of 3% of the closing balance or $10 (whichever is higher) is required throughout the interest-free term.
Who Can Use It?
If you already hold a Q Card or Q Mastercard, you may qualify for our interest-free options on full-priced renovation projects meeting the relevant minimum spend.
Let the Affordable Home team know at the time of booking so we can prepare your finance option before your on-site consultation.
If you’re not a Q Cardholder, you can apply online. Approved applicants will incur standard account fees set by Q Card / Q Mastercard.