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.

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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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Loan Interest Rates

Competitive rates personalised based on your credit profile and loan details. See 'Loan Information' section below.

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Loan Fees

Upfront and ongoing fees spelled out clearly before you proceed.

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Fast Approval

Timeframes vary but with complete information, approval can be same-day. Approval is subject to meeting lending criteria, and affordability test applies. 

$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

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 loan options 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.

Loan Information


Fixed interest rates for vehicle loans range from 7.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. Fixed interest rates for personal loans range from 9.95% p.a. to a maximum of 29.95% p.a. on a minimum 12 month to a maximum 60-month loan term. The actual interest rate charged to you will depend on your circumstances, the type of lending required and the security provided.

Fees apply, including an establishment fee of up to $350 and an introducer fee of up to $995. Also, lenders may charge a PPSR fee of between $0 and $14. For example: On a loan of $10,000 over 24 months at 9.95% p.a. with Establishment and Introducer fees totalling $495 and a PPSR Fee of $7.39, the total amount to repay is $11,627 which is 24 monthly payments of $485. Those amounts don’t include ongoing fees, such as Service Fees, charged by the lender. You can find full fee information in the loan contract. We recommend that you check the fees before accepting the loan offer. See more about lender fees here.

Approval is subject to meeting lending criteria, and affordability test applies.
Same day payout subject to the applicant meeting the above conditions and completing loan documentation by 12pm.