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Partner Portal - Mont Clair Capital
Mont Clair Capital Pty Ltd Credit Representative No. 570546 Authorised under National Lending Group ACL Aggregated with Choice Aggregation Services Sydney, NSW - Operating Nationally
Credit advice only - Not financial advice
MCC
Mont Clair Capital Financial Solutions
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Kitchen Renovation Value Calculator

01 — Your Property

Tell us about your home

Your current market value anchors every calculation in the model. Please complete all fields before continuing.

$

Please enter a valid property value (minimum $50,000).

Property type

House

Standalone dwelling — broader buyer pool, market-depth premium

Unit / Apartment

Strata title — slightly lower kitchen premium for units

Is this your home or an investment?

Primary residence

Investment property

02 — Location

Where is the property?

Growth rates from Cotality HVI April 2026. Location modifiers combine market growth, renovation activity intensity (ABS 8752.0), and trend momentum.

Sydney

+4.8% annual

Melbourne

+3.4% annual

Brisbane

+19.0% annual

Adelaide

+11.4% annual

Perth

+24.3% annual

Hobart

+2.1% annual

Canberra

+2.8% annual

Darwin

+1.5% annual

Regional NSW

+3.1% annual

Regional VIC

+1.8% annual

Regional QLD

+8.2% annual

Other Regional

+2.0% avg

Please select your market to continue.

03 — Budget & Scope

What are you planning to spend?

Include all costs — cabinetry, benchtops, appliances, labour, plumbing, electrical. ABS PPI: building output prices up +36.8% since 2021.

$

Please enter a valid budget (minimum $3,000).

What does your renovation cover?

Cosmetic refresh

New splashback, handles, paint — cabinet carcasses retained

Partial renovation

New benchtops, door fronts, appliances — existing layout kept

Full renovation

New cabinetry, benchtops, appliances, plumbing, electrical

Full + layout change

Full renovation plus structural or layout reconfiguration

Please select a renovation scope to continue.

04 — Current Kitchen

What does your kitchen look like now?

The bigger the gap between old and new, the more value a renovation can capture.

Recently renovated or brand new

Under 3 years — minimal gap for the renovation to close

Functional but dated

5–15 years old — moderate gap, solid value potential

Old and tired

15–25 years old — large gap, strong uplift potential

Very poor condition

25+ years or poorly maintained — maximum gap and uplift opportunity

Please select the current condition to continue.

05 — Selling Intent

Are you renovating to sell?

Timing and intent significantly affect realised value. Presale renovations capture the full buyer premium at point of sale.

What's your primary reason for renovating?

Selling within 12 months

Pre-sale — capturing the full buyer premium at point of sale

Selling in 1–3 years

Medium-term — some market appreciation will compound the return

Long-term hold (lifestyle)

Not selling — value captured through enjoyment and future sale

Investment property

Rental uplift and eventual sale — moderate realisation premium

Is the kitchen the centrepiece of the renovation?

Yes — main feature

Kitchen is the hero room of the property

No — part of broader works

Kitchen is one of several rooms being renovated

Please answer both questions to continue.

06 — Finish & Style

What level of finish are you planning?

Quality and style cohesion both affect how much a buyer will pay.

Cabinetry, benchtop & appliance tier

Budget

Flat-pack, laminate benchtops, entry-level appliances

Mid-range

Semi-custom, stone benchtops, mid-tier appliances

Premium

Custom joinery, premium stone, top-tier appliances (Miele, Fisher & Paykel)

Luxury

Bespoke cabinetry, natural stone slabs, imported appliances

How cohesive is the renovation with the rest of the home?

Standalone update

Kitchen renovated in isolation — visible style contrast with rest of home

Consistent with home

Renovation matches the overall quality and style of the property

Cohesive full renovation

Part of a broader renovation — all areas updated to same standard

Please answer both questions to continue.

Kitchen Renovation Value Estimate

$0

Likely scenario

Conservative

—

Most Likely

—

Optimistic

—

New Est. Value

—

Likely Profit

—

ROI on Spend

—

Value Uplift %

—

ROI on renovation spend — —

Methodology inputs

Market & Location—
Budget Intensity—
Quality Index—

Want to fund this renovation?

Enter your details and we'll call you within one business day to discuss equity release or construction finance.

Ready to fund this renovation?

We structure equity release and construction loans so the project pays for itself.

Book a ConsultationCall Gaspard
Bathroom Renovation Value Calculator

01 — Your Property

Tell us about your home

Your current market value anchors every calculation. Please complete all fields before continuing.

$

Please enter a valid property value (minimum $50,000).

Property type

House

Standalone — adding a bathroom can be very high value

Unit / Apartment

Adding a second bath in strata carries a high premium

Is this your home or an investment?

Primary residence

Investment property

02 — Location

Where is the property?

Location modifiers from Cotality HVI April 2026 combine market growth, renovation activity (ABS 8752.0), and trend momentum.

Sydney

+4.8% annual

Melbourne

+3.4% annual

Brisbane

+19.0% annual

Adelaide

+11.4% annual

Perth

+24.3% annual

Hobart

+2.1% annual

Canberra

+2.8% annual

Darwin

+1.5% annual

Regional NSW

+3.1% annual

Regional VIC

+1.8% annual

Regional QLD

+8.2% annual

Other Regional

+2.0% avg

Please select your market to continue.

03 — Bathroom Type

Which bathroom are you working on?

The type and count of bathrooms is the single biggest driver of value-add potential.

What are you doing?

Renovating existing

Refresh or full gut of an existing bathroom

Adding a new bathroom

Creating an entirely new bathroom — structural addition

⚠ Adding a second bathroom is typically a structural project requiring planning, waterproofing, and new drainage. Budget $45,000–$120,000+ for a proper addition. The value uplift is often significant — second bathrooms are a top buyer priority.

Which bathroom?

Ensuite (master bathroom)

Highest value bathroom — direct impact on master bedroom premium

Main / family bathroom

Shared bathroom — strong value driver for families

Second / guest bathroom

Additional bathroom — lower premium if first two already exist

Please answer all questions to continue.

04 — Budget & Scope

What are you planning to spend?

Include all costs — tiling, vanity, toilet, shower/bath, tapware, waterproofing, plumbing, electrical, demolition. ABS PPI: building output prices up +36.8% since 2021. National average full gut: $26,747 (2026).

$

Please enter a valid budget (minimum $3,000).

What does the renovation cover?

Cosmetic

New tapware, toilet, vanity unit, paint — tiles and layout retained

Partial reno

New fixtures and partial retiling — waterproofing and structure retained

Full gut renovation

Strip to shell — new waterproofing, full tiling, all new fixtures

Full gut + reconfiguration

New layout or expansion — structural changes, new plumbing runs

Please select a scope to continue.

05 — Current Bathroom

What does it look like right now?

The bigger the gap between old and new, the more value a renovation can capture. Waterproofing failure is a red flag that can suppress price.

Recently renovated or brand new

Under 3 years — minimal gap

Functional but dated

5–15 years old — moderate gap

Old and tired

15–25 years — large gap, strong uplift potential

Very poor / waterproofing issues

25+ years or moisture damage — maximum gap and opportunity

Please select the current condition to continue.

06 — Selling Intent

Are you renovating to sell?

Timing and intent significantly affect realised value.

Primary reason for renovating?

Selling within 12 months

Pre-sale — capturing the full buyer premium

Selling in 1–3 years

Medium-term — market appreciation compounds the return

Long-term hold (lifestyle)

Not selling — value captured through enjoyment and future sale

Investment property

Rental uplift and eventual sale

Is the bathroom the centrepiece of the renovation?

Yes — main feature

No — part of broader works

Please answer both questions to continue.

07 — Finish & Style

What level of finish are you planning?

Note: engineered stone benchtops are banned in Australia (July 2024) — porcelain and natural stone are the 2026 standard.

Fixtures, tiling & vanity tier

Budget

Flat-pack vanity, ceramic tiles, standard chrome tapware, acrylic shower

Mid-range

Semi-custom vanity, porcelain tiles, quality tapware, frameless shower

Premium

Custom vanity, large-format tiles, designer tapware, freestanding bath

Luxury

Bespoke joinery, natural stone, heated floors, premium fixtures throughout

How cohesive is the renovation?

Standalone update

Visible contrast with the rest of the home

Consistent with home

Matches the overall quality of the property

Part of full renovation

All areas updated to same standard

Please answer both questions to continue.

Bathroom Renovation Value Estimate

$0

Likely scenario

Conservative

—

Most Likely

—

Optimistic

—

New Est. Value

—

Likely Profit

—

ROI on Spend

—

Value Uplift %

—

ROI on renovation spend — —

Methodology inputs

Market & Location—
Budget Intensity—
Quality Index—

Want to fund this renovation?

Enter your details and we'll call you within one business day.

Ready to fund this renovation?

We structure equity release and construction loans so the project pays for itself.

Book a ConsultationCall Gaspard
Lender Selector & Serviceability Calculator
Exclusive Partner Tool

Serviceability & Lender Selector

Enter your details below to estimate your borrowing power and see which lenders from our 50+ panel are most likely to approve your application.

Loan for

Just me
Me & my partner

Are you the structural borrower?

Yes
No (guarantor)

Loan type

Owner Occ.
Investment

Do you pay rent?

No
Yes

Dependants

$

Adjust to see repayment impact

$600,000

$
$
$
$
$

Leave blank to use HEM benchmark

$
$
$

Assessed at 3.8% of limit monthly

$
$

Existing loan repayments are added to your monthly commitments in the serviceability assessment.

Serviceability Results

Maximum Borrowing Capacity

Enter income details

Net Monthly Income

—

Monthly Commitments

—

HEM Benchmark

—

Surplus After Costs

—

Assessment Rate

—

Monthly Repayment

—

↓ How is maximum loan calculated?

We calculate net income after tax, subtract your committed expenses (HEM or actual, whichever is higher), credit card commitments (3.8%/month), other debts, and any rent. The remaining surplus is stress-tested at each lender's assessment rate (typically base rate + 3%) to derive the maximum principal you can service.

Matched Lenders (by borrowing capacity)

Enter income and expenses to see matched lenders.

Results are estimates only based on the inputs provided. Actual borrowing capacity varies by lender credit policy, application specifics, and current rates. This is not a credit approval or credit advice to the end client. For credit advice, book a consultation with Gaspard directly.

Ready to progress this client?

Contact Gaspard directly to move to formal application and lender lodgement.

Submit ReferralCall Gaspard