Can I Get a Payment Plan for My Bathroom Renovation?

A bathroom renovation is a major investment, and we understand that some clients may prefer flexible payment options. At Custom Bathroom Creations, we follow a structured progress payment system, but we also offer an interest-free financing option through Humm90 for those looking for greater flexibility.

Here’s what you need to know about paying for your renovation and financing options.

1. Our Standard Payment Process

We operate on a progress payment system, meaning payments are made at key renovation milestones:

✔ Deposit Payment – Secures your project and allows us to begin preparations.
✔ Demolition Payment – Covers removal of old fixtures and site preparation.
✔ Waterproofing Payment – Ensures all waterproofing work is completed to Australian standards.
✔ Practical Completion Payment – Covers the final fit-off and finishing touches before handover.

💡 Tip: This system ensures payments align with work completed, offering transparency and cost control.

2. Interest-Free Finance with Humm90

To make renovations more affordable and accessible, we have partnered with Humm90 to co-organise interest-free finance options for our clients.

How It Works:

✔ Get approved for interest-free financing through Humm90.
✔ Spread the cost of your renovation over a flexible repayment period.
✔ No interest charges if payments are made within the agreed term.

💡 Tip: If you’d like to explore financing options, let us know, and we can assist with the application process.

3. Other Financing Options

If you prefer an alternative financing option, you may consider:

🏡 Home Loan Redraw
✔ If you’ve made extra payments on your mortgage, you may be able to redraw funds for your renovation.
✔ Often offers lower interest rates than personal loans.

💳 Interest-Free Credit Card Promotions
✔ Some banks offer 0% interest periods on new purchases.
✔ Best for small to mid-sized renovations that can be paid off quickly.

💰 Personal Loans
✔ Banks and lenders offer renovation loans with fixed repayment terms.
✔ Ensure you compare interest rates and fees before committing.

🏗 Home Equity Loan
✔ If you have equity in your property, you may qualify for a home equity loan.
✔ This option is ideal for larger-scale renovations.

💡 Tip: Always consult a financial advisor to determine the best option for your situation.

4. Can I Pay in Smaller Instalments?

✔ Yes! With Humm90 interest-free finance, you can break your payments into manageable instalments.
🚫 We do not offer in-house instalment plans, but our progress payment system allows staged payments at key milestones.

💡 Tip: If you require flexible payments, speak with us about Humm90 financing before your renovation begins.

5. What Happens If I Need More Time to Make a Payment?

✔ If you’re experiencing a payment delay, contact us as soon as possible.
✔ We may be able to discuss short-term solutions to keep your project on track.
✔ However, unpaid invoices may cause work to pause until the payment is received.

💡 Tip: Always plan your budget ahead of time to avoid unexpected payment issues.

Final Thoughts: Choosing the Best Payment Option for You

✔ We now offer interest-free finance through Humm90, making it easier to fund your bathroom renovation.
✔ Our progress payment system ensures a fair and transparent payment structure.
✔ If you need financing, consider Humm90, home loans, personal loans, or interest-free credit options.

At Custom Bathroom Creations, we’re here to help you navigate your payment options so you can enjoy a stress-free renovation.

Interested in interest-free financing? Contact us today to discuss your options with Humm90!