Build Now.
Pay Over Time.
That’s HandyPay.
Transforming your outdoor space doesn’t have to wait. We’ve partnered with Handypay to offer outdoor living finance in Sydney, so you can move ahead with your deck, pergola, pool renovation or full backyard upgrade sooner.
With simple, flexible finance options, you can build now and pay over time without the upfront pressure.
Outdoor Living Finance Made Simple
Creating a premium outdoor space is an investment in how you live. With flexible home improvement finance in Sydney, you don’t have to put those plans on hold.
Through Handypay, you can access fast approvals, fixed-rate options and structured repayments that suit your budget. It’s a straightforward way to move ahead with your decking, pergola or outdoor renovation without waiting years to save.
How Outdoor Finance Works
Getting started is straightforward. Our process is designed to be simple, fast and stress-free, so you can move from quote to construction without delays.
1. Get Your Quote
We design your project and provide a detailed quote for your decking, pergola or outdoor build.
2. Apply Online
Submit a quick and secure application through Handypay.
3. Receive Approval
Many applications are processed quickly, often within hours.
4. Start Your Project
Once approved, we move straight into scheduling and construction.
Trusted Home Improvement Finance
Handypay is an Australian finance provider specialising in home improvement finance, including decking, pergolas and outdoor renovations.
With transparent fixed-rate plans, flexible repayment terms and a simple application process, it’s a reliable way to fund your project with confidence.
All applications are subject to approval and lending criteria.
Finance Your Deck, Pergola or Full Outdoor Renovation
Our outdoor living finance options in Sydney cover a wide range of projects, including:
• Composite decking and hardwood decking
• Insulated pergolas and custom pergola builds
• Pool renovations and surrounds
• Outdoor stairs and balustrades
• Complete outdoor living transformations
From a single deck build to a full backyard redesign, finance gives you the flexibility to bring your vision to life sooner.
Why Use Outdoor Renovation Finance?
More Sydney homeowners are choosing decking finance and outdoor renovation finance to:
• Start their project sooner instead of delaying plans
• Lock in current pricing before costs increase
• Enjoy their outdoor space now, not years from now
• Spread costs across manageable repayments
It’s about upgrading your lifestyle without putting pressure on your cash flow.
Apply for Outdoor Living Finance
Ready to get started? Use the secure form below to apply for outdoor living finance in Sydney and take the first step towards your new space.
Why Choose Sydney Metro Decking?
We’re not just deck builders, we’re outdoor living specialists. Sydney Metro Decking focuses on full outdoor builds, which means your new composite deck can be seamlessly integrated with a pergola, pool renovation, carport or complete backyard transformation. We use trusted materials, deliver licensed workmanship and provide a level of detail that sets us apart.
What really makes us different is the way we combine premium products with a streamlined process. You’ll have clear communication, honest advice and a team that treats your home like their own. No patch jobs, no cut corners, just an outdoor space that adds real value to your home and lifestyle.
All Your HandyPay Finance Questions Answered
Frequently Asked Questions
What is Handypay and how does it work?
Handypay is an Australian finance provider specialising in home improvement projects. It allows you to fund your build and repay it over time through manageable instalments, subject to approval.
What types of projects can I finance?
Most Sydney Metro Decking projects can be financed, including decking, pergolas, pool renovations, stairs, balustrades and full outdoor transformations.
What does a fixed-rate plan mean?
A fixed-rate plan means your repayments stay the same for the entire loan term. The rate doesn’t change, so you’ll know exactly what you’re paying and how often from day one.
What will my interest rate look like?
Your interest rate is based on your personal credit history and financial situation. You can get an indicative personalised rate in minutes using the online application, without impacting your credit score. Final rates are confirmed upon approval.
How does Handypay offer lower rates than traditional lenders?
Traditional banks often have higher operating costs, which can lead to higher rates. Handypay keeps things lean and focused, helping deliver more competitive finance options.
How much can I borrow?
Handypay payment plans typically range from $2,001 to $75,000, with up to $100,000 available for eligible home improvement projects. The approved amount depends on your income, credit profile and lending criteria.
How long will my repayments last?
Repayment terms can extend up to 7 years, or up to 10 years for Green Loans. This gives you flexibility to structure repayments around your budget.
How do repayments work?
Repayments can be made weekly, fortnightly or monthly via direct debit. If you’d like to pay ahead, you can do so through your borrower dashboard using BPAY.
Do I need a deposit?
In many cases, no deposit is required, but this depends on your approval. Some clients choose to contribute upfront to reduce repayments.
Do I apply before or after getting a quote?
We recommend getting your quote first so you know exactly how much to apply for.
How long does approval take?
Many applications are processed quickly, often within hours. Some may require additional checks depending on the application.
Will applying affect my credit score?
Checking your indicative rate through the online application won’t impact your credit score. A full application may involve a credit assessment, which will be clearly outlined.
Can I pay the loan off early?
Yes. Handypay allows early repayments and payouts. Any applicable fees or conditions will be included in your loan agreement.
When do repayments start?
Repayments typically begin once your loan is approved and funds are released. Full details are provided during the application process.
Can I finance part of the project only?
Yes. You can choose to finance the full project or just a portion, depending on your budget and plans.
Is the application secure?
Yes. Handypay uses secure systems to protect your personal and financial information.
What happens if my application is declined?
If your application isn’t approved, we can still work with you on alternative options, whether that’s staging the project or adjusting the scope.
What areas does Sydney Metro Decking service?
We primarily service the Sutherland Shire and St George, along with Sydney’s premium suburbs across the Inner West, Eastern Suburbs and Lower North Shore.
We also take on selected projects in surrounding areas depending on the scope, access and project fit.
If you’re unsure, just reach out. We’ll let you know straight away if your location is within our service zone.