Home improvement loans, made simple

Turn ‘one day’ into ‘right now’. A renovation loan can unlock the cash to revamp, repair, or reinvent your place on your terms.

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Ways to borrow

Loans to help you fix, build or improve

Whether you’re upgrading the kitchen, adding a new deck, or tackling a full home makeover, a renovation loan can help you get things moving without needing to cover the entire cost upfront. With flexible loan options, a quick response process, and repayments that work with your budget, you can focus on the project—not the pressure

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Loan Amount

Borrow from $3,000 to $100,000, whether you’re tackling a small fix-up or a full-scale renovation.

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Flexible Loan Terms

Choose a loan term that works for you — typically between 1 and 5 years.

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Repayment Options

Pay weekly, fortnightly, or monthly — align it with your income for easier budgeting.

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Competitive Interest Rates

Rates personalised to your credit profile, loan amount, and term.

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No Hidden Fees

We lay out all costs upfront, so there are no surprises later.

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Fast Approvals

Apply in minutes — and if everything’s ready, funds could land the same day.

$15,000
48 months
10.95%

Loan Calculator

$92

Weekly Repayments

$400

Monthly Repayments

$19,200

Total Amount Repayable

The repayment amounts shown include Establishment and Introducer fees totaling $495 and a PPSR Fee of $8.05. These fees are examples only and they exclude ongoing fees. The actual fees charged may vary based on your circumstances and the chosen lender.

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Less red tape, more renovating

We handle the comparisons, paperwork, and lender follow-up — so you can focus on the design, not the delays.

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Risk-free check

Fast, no-fuss loan options with a soft credit check that won’t affect your score, so you can start renovating with confidence.

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Fast, friendly support

We’re here to help at every step — with clear answers and fast service from day one.

We’ve helped 60,000 Kiwis trade ‘maybe’ for ‘make it happen’.

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Renovate Smarter, Apply Faster

Whether you're fixing a roof or remodelling your kitchen, a quick online form is all it takes to get your renovation loan started.

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We Build the Right Loan Fit

We find lenders offering flexible terms to match your project size, budget, and build timeline — big or small.

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Fast Approvals, Faster Starts

Once we receive your documents, we act fast. Because the sooner you’re approved, the sooner you can start your transformation.

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Funds When You Need Them

Documents in by midday? Funds could be with you the same day — so builders can start and you can make progress.

 

Build, renovate, refresh — with flexible finance

A renovation loan can help you cover the cost of home improvements—whether it’s a small upgrade or a big overhaul. Instead of paying everything upfront, you can spread the cost with regular repayments that suit your budget, and get your project underway sooner.

Renovation Loans

FAQ

Renovation loans - the details
Being better informed makes for better decisions. Have a question or two? Check out these helpful FAQs or get in touch with the team.

Can I get a renovation loan if I already have a mortgage?

Yes, many people take out a renovation loan alongside their existing mortgage — especially when they want to fund upgrades without refinancing their home loan or using a redraw facility. A renovation loan is typically unsecured, meaning it isn’t tied to your home. It’s a flexible way to access extra funds for improvements without changing your current mortgage setup.

What is the maximum renovation loan amount I can get?

The maximum loan amount varies depending on your income, credit history, and overall financial position. Most lenders offer renovation loans from $3,000 to $100,000 or more. Larger loans may be available for extensive renovations, especially if you can demonstrate affordability and strong credit. In some cases, a secured loan may allow for higher borrowing limits.

How much can I borrow for a renovation loan?

The amount you can borrow depends on the size of your renovation and what you can comfortably afford to repay. Lenders consider your income, expenses, and overall financial situation when reviewing your application.

What interest rates apply to renovation loans?

Interest rates vary depending on your credit score, financial position, and the loan amount. A stronger credit history may help you secure a lower rate, but each application is reviewed on a case-by-case basis.

Are there fees with renovation loans?

Yes — you may see fees such as an Establishment Fee, Introducer Fee, or ongoing account fees. Don’t worry, we’ll walk you through all costs clearly before you commit, so there are no surprises.