We Find You the Best Home Improvement Loan NZ

Need a Loan for Home Improvements and Renovations?

Our experienced mortgage brokers can help you find the right home improvement loan for your needs.

architect plans for home improvement loan

Transform your house into the home of your dreams with an approved home improvement loan. Whether you’re planning to renovate, extend, or redecorate, we help you find the right home improvement loan, to make your home truly yours. 

Home improvements can help you make the most of your property. Whether you want to extend your lounge, renovate your kitchen, convert your attic, or add a new garden area or in-ground pool, all these can add value for your family or attract potential buyers.

We Kiwis have a knack for DIY and a passion for home improvements. But why wait? A home renovation loan allows you to tackle those grand plans or make much needed renovations to your home, without the wait. Spread the cost over time, making it manageable and smart.

Here at OneStop Financial Solutions, we’re committed to finding you the best home improvement loan in NZ. Our application process is straightforward – because we believe in making your home renovation journey as seamless as your new living space.

Investing in your home is investing in your future – and with flexible home improvement loan options, you’re a step away from turning your property dreams into a reality.


A home improvement loan is available in two options: an unsecured loan or a secured loan – which is traditionally a Mortgage top-up, or a Construction loan for significant projects. Both options allow you to use the loan to fund home renovations or home extensions. The term ‘home improvement’ covers a range of changes you might want to make for your property from small to medium jobs like redecorating or reconstructing the garden, through to big and expensive jobs such as installing a new kitchen or adding a conservatory or lounge extension.

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Personal Loan for Home Renovation

An unsecured loan, also known as a personal loan, is one that isn’t secured against your property. Every lender provider will have a different limit on the maximum amount you can borrow with a personal loan. Most personal loans have a fixed rate of interest, which means you’ll pay the same amount each month throughout the term of the loan. The longer the loan term is, the cheaper the monthly repayments will be and the usual term is around three to five years, with a maximum of up to 7 years.

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Top Up Home Loan for Renovation (1st or 2nd Mortgage)

This type of loan uses your property as a form of security. If you fail any repayments, the lender can take the property and sell it to cover any outstanding balance. ‘1st Mortgage’ is simply a regular home loan, via a top-up to your existing loan or with a new bank (refinancing).

Homeloans being secured are of course over a longer term (e.g 25-30 Years) and typically allow you to borrow larger amounts than personal loans, depending on your property value. They also offer longer periods for repayment compared to unsecured loans from as low as five years up to a maximum of 30 years. Paying back over a longer period means monthly payments can be much lower but that also means you’ll pay more in interest overall.

Getting a home renovation loan helps you spread out the cost of a project with monthly payments over a set period of time. An unsecured personal loan is typically a common option that comes with fixed repayment terms and fixed interest rates. This means you may be able to carry out a whole list of home improvements with just one loan you know you can afford. The total amount you pay back will depend on the rate of interest you’re charged as well as the length of the loan.


  • It takes minutes to apply online. We’ll give you an indication within 24 Hours on the viability of your project with regards to finance. Albeit not a formal approval, it arms you with enough information to decide to proceed with our services or not in the shortest time possible. We then get to work in finding you the best home renovation loan in NZ with the best rates, flexibility and minimal to often zero lending and broker fees*.
  • With expert financial advice and years of industry experience, OneStop Financial Solutions is your trusted loan provider in Auckland. We know the market best and we will be in your corner to get you the right home renovation loan you deserve.
  • We do the heavy lifting and hunting, so banks and lenders pay us a commission which means you don’t. Our expert financial advice is 100% free and we only get paid when you take out a loan with us so it's always in our best interest to find you the best home loan top up.



Plan Your Home Improvements

First of all, it’s important to plan what home improvements you want done to your property and an estimate on how long this would take. Get a project plan together and get in touch with contractors on their availability and a rough quote. Be aware of the busy periods (such as the holiday season) with other DIY-ers also keen on home renovations.

Work Out What You Can Afford

Once you have a home improvement plan and its cost in place, you can then work out what you’re able to afford. Take time to review your income, spending, and any financial commitments you have currently as well as in the near future. Calculate how much you can afford to repay each month and for how many years.

Talk to Our Home Improvement Loan Specialists

Based on the information provided, we take a look at our extensive network of lenders to bring you a range of loans for renovation that offer the best mix of rates, flexibility and fees. We can then sit down and compare loans from a variety of providers and carefully consider the terms and conditions to make sure you can meet them.


With so many options to choose from, finding the right home loan can seem overwhelming. Our home loan specialists will work with you to understand your requirements and take a closer look at your current mortgage situation and financial situation. One Stop Financial Solutions will handle your home loan for you from start to finish, giving you the reassurance of expert home loan advice and ongoing support. With access to hundreds of lenders and different home loans we want to meet your goals and needs and are here to make sure we’re offering you the best home renovation loan that’s right for you.

Frequently Asked Questions About Home Improvement Loans

What is a home improvement loan?

A home improvement loan in New Zealand is a loan used to finance renovations or repairs on a property. These can be unsecured personal loans or secured against the equity in your home, depending on the amount borrowed and the terms offered by the lender.

How can I qualify for a home improvement loan?

To qualify, you generally need a good credit history, a stable income, and in some cases, sufficient home equity. Lenders will also consider your debt-to-income ratio to ensure you can comfortably manage loan repayments alongside your other financial obligations.

What are the benefits of taking out a home improvement loan?

These loans can increase the value of your property by improving its condition, functionality, or aesthetic appeal. They also allow you to spread the cost of renovations over time, rather than needing to pay all costs upfront.

Are there different types of home improvement loans in New Zealand?

Yes, you can choose between secured and unsecured loans. Secured loans typically have lower interest rates and longer repayment terms because they are backed by your home’s equity. Unsecured loans, while faster to obtain and requiring no collateral, usually come with higher interest rates and shorter repayment terms.

What should I consider before applying for a home improvement loan?

Assess the total cost of your renovation project to ensure you borrow the right amount. Compare different loan offers to find the best interest rates and terms. Also, consider how the loan repayment will fit into your budget and financial plans.

How much can I borrow for home improvements?

The amount you can borrow depends on several factors, including your creditworthiness, income, existing debts, and the equity in your home. Loan amounts can vary from a few thousand to several hundred thousand New Zealand dollars.

What’s the difference between a home improvement loan and a top-up on my mortgage?

A top-up on your mortgage is essentially increasing your existing mortgage to cover the renovation costs, which usually offers a lower interest rate compared to a separate home improvement loan. However, it typically extends the term of your mortgage and may result in more interest paid over time.

Can I use my KiwiSaver to fund home improvements?

KiwiSaver funds are generally not accessible for home improvements; they are intended for first-time home purchases or in situations of significant financial hardship. However, if you are buying a home that requires immediate renovations, you might be able to use your KiwiSaver funds under the first-home buyer provisions.

How long does it take to get a home improvement loan?

The time frame can vary by lender. Unsecured loans may be processed quickly, sometimes within a few days, while secured loans may take longer due to the need for property valuations and additional documentation.

    What happens if I sell my house before I’ve repaid the home improvement loan?

    If your loan is secured against your home, the outstanding balance will typically need to be repaid from the proceeds of the sale. If it’s an unsecured loan, you will continue to repay it according to the original terms, regardless of the property sale.

    We’ve Helped Many NZ Homeowners Fund Home Renovations