Renovation loans NZ – renovate, refresh, repair
Ready to open up the kitchen, add a second bathroom or fix that leaking roof? Real Finance’s renovation loans let you upgrade your most valuable asset now and repay on terms that suit your budget.
Why choose a renovation loan with Real Finance?
60-minute conditional approval
Finish our five-minute application and get an answer fast.
$1,000 – $100,000 range, terms up to 36 months*
Borrow only what you need with weekly, fortnightly or monthly repayments.
*Up to $100,000 arranged through our external lending partners.
Fixed interest rate 9.95% – 39.95% p.a
Repayments stay the same for the whole loan.
100% online
Upload quotes, sign the contract and track progress from your phone or laptop.
Extra payments welcome
pay off early any time; just a flat $12 closure fee on full settlement.
What can a renovation loan cover?
- Full kitchen or bathroom remodels
- Extensions, decks, double-glazing or roofing
- Rewiring, plumbing or insulation upgrades
- Painting, flooring and landscaping make-overs
- Urgent repairs after storms or earthquakes
- Architect fees, council consents and project management
Whether it’s freshening up for resale or creating your forever home, a renovation loan NZ keeps the work moving without draining savings.
Quick eligibility checklist
- NZ resident, 18 + with driver licence or passport
- Regular income (salary, wages or self-employment)
- Three months’ bank statements (PDF/CSV)
- Room in your financial situation for the agreed loan repayments
How much will it cost?
Enter amount and term in our calculator to see repayments instantly—and adjust or pay extra anytime to save interest.
Available loan amount
From $2,000 to $50,000
Terms
2 – 36 months
Repayments
Starting from $70 per week
Security options
Property or other collateral.
Disclaimer
This calculator is intended as a helpful guide for use when comparing loan providers and should only be used as such. It provides results based on the assumptions below and the information you provide.
- The calculated amount is not a quote or offer from Real Finance (or our External Lenders).
- Repayment amounts calculated are based on an indicative annual interest rate of 23.95%, an Establishment fee and a Monthly Administration fee.
- The rate offered to successful applicants will depend on individual circumstances and loan type, including your credit score, affordability and security offered.
- Our current annual interest rates and costs of borrowing can be found here.
- Other fees or charges may apply to your individual loan.
- It assumes you make all your required repayments in full and on time and therefore do not enter default.
For more information or to obtain a finance quote tailored to your individual circumstances, please contact one of our friendly team.
Renovation loans NZ – easy as 1, 2, 3
1. Application
Fill in our 5-minute loan application form, or call 0800 21 21 21 to talk to our friendly team.
2. Review
We’ll review your loan application within 60 minutes to make sure your loan is fit for purpose and affordable for you. We’ll also review your credit score and financial situation as part of the process.
3. Payout
Once your loan amount is approved, we document your application, explain the terms, sign you up and pay out your funds—so you can get your fast cash without delay.
“We were so close to finishing our renovation and go to market, but we ran into cost issues in the kitchen and the bank said we were maxed out. We were stuck in no mans land, but Real Finance provided a loan, we finished and sold the house soon after, repaying the loan in full ahead of time without penalty.”
Frequently asked questions
Can I top-up if costs blow out?
Yes—send any revised quotes and we’ll reassess quickly.
Is equity required?
Not for loans up to $20,000. Larger projects may benefit from securing the loan against your home or vehicle.
Do you pay invoices direct to trades?
We can pay funds either to you or straight to approved contractors—your choice.
What if I decide to sell after renovating?
You’re free to repay the balance at settlement; only the $12 close-out fee applies.
Will multiple applications hurt my credit score?
One enquiry has minimal impact; several in a short time could lower your score.
We’re here to help
Have more questions about funding home improvements, equity-backed options, or construction-stage payouts? Contact our team for personalised support.
Ready to renovate, refresh, repair?
Apply online now or phone 0800 21 21 21. Real Finance will fund your home renovation quickly, so your dream space becomes reality sooner.
