Home Improvement Loans to Transform Your Space
Big renovations or small upgrades? Whether you’re giving your kitchen a facelift or building your dream outdoor space, a home improvement loan can help make it happen.
Minutes to apply.
Approval subject to responsible lending inquiries.
Home Improvement Loan Calculator
Weekly Repayments
Monthly Repayments
Total Amount Repayable
The repayment amounts shown include Establishment and Introducer fees totalling $820. These fees are examples only and they exclude ongoing fees. The actual fees charged may vary based on your circumstances and the chosen lender. For more about lender fees, click here.
Bring Your Renovation Ideas to Life
A home improvement loans can make it simple to tackle your renovation projects—whether it’s fresh paint, a new bathroom, or a complete remodel. Borrow between $3,000 and $100,000 with repayments tailored to your budget and timeline.
Here’s how we make it happen:
- Find the right loan to bring your renovation ideas to life.
- Tailor repayments to suit your budget and schedule.
- Get expert guidance to keep the process simple and stress-free.
Total Transparency
We break everything down, so you know exactly what you’re paying for.
Your Perfect Fit
Fixed rates matched to you—no surprises, just steady, predictable repayments.
No Credit Impact
Apply without affecting your credit score, safeguarding your borrowing power.
Swift and Stress-Free
We take care of the details and keep things moving, so you can focus on your project.
Over 55,000 Kiwis have trusted us to help with their finance needs.
1 Get Started Online
Apply in just 3 minutes! A quick and simple way to find your ideal home improvement loan.
2 We Find the Ideal Match
Loan options handpicked for you—personalised to suit your renovation plans and budget.
3 Funds, Fast and Simple
Timing varies, but with all details provided, same-day approval is possible. Approval is subject to meeting lending criteria, and affordability test applies.
What our customers say
Home Improvements Made Simple
What is a Home Improvement Loan?
A home improvement loan helps you pay for renovations, whether it’s a fresh coat of paint or a major remodel. It’s a great way to tackle your projects without having to cover all the costs upfront.
What Projects Can a Home Improvement Loan Cover?
From sprucing up your kitchen to transforming your backyard, a home improvement loan can cover just about any project. Whatever you’re planning, we’ll help you find the right loan to make it happen.
How Do I Structure a Home Improvement Loan?
Our friendly team is here to guide you. We’ll help you tailor the loan to fit your budget and timeline, so it works for you and keeps your project running smoothly.
Quick Spot Check?
Got questions? We’ve got answers. Browse our FAQs or get in touch with the team.
The amount you can borrow depends on how much you need for your renovations and what you can comfortably afford to repay. Lenders look at your income, expenses, and financial situation when assessing your application.
Interest rates vary based on your credit history, financial profile, and the loan amount. A good credit score can help secure a better rate, but every application is assessed individually.
Current fixed interest rates 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. The actual interest rate charged to you will depend on your circumstances, the type of lending required, the security provided, and the lender.
Home improvement loans include an Establishment Fee and Introducer Fee, and may include ongoing account and other fees. It’s a good idea to check these with your lender before moving forward. You can view more about Lender Fees here, and how we are remunerated here.
Loan terms usually range from one to five years, depending on the loan amount and how you want to structure your repayments.
Yes, you can apply for a home improvement loan even if you already have a mortgage. It’s a separate loan that doesn’t necessarily need to be tied to your existing mortgage.
The maximum amount depends on your financial situation and what lenders determine you can afford to repay. A Loan Spot adviser can help you understand your borrowing options.
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