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Renovation Loans

Home How To Get Money Or Borrow For Renovations

If you’re looking to get a home loan to help with renovations around the house, you can also speak to us. If you’re thinking of extending your house or just generally renovating it (e.g., a new kitchen, bathroom, carpet, etc.) simply ask us. We may also be able to assist with other matters such as arranging a loan to re-clad your house.

Build Contracts

The builder will typically need to supply us with a build contract outlining the costs of the build. These are usually accompanied by plans and specifications of what is being built and the build can then be managed accordingly.

Applying for a construction loan

Applying for a construction loan can be easy with the right assistance from a professional mortgage broker. We have experience with many construction loans and this is one of the areas that our company specialises in. If you are looking to build a new house, speak to us about how we can help.

Once you have spoken to us, if we feel we can assist, we may ask you to supply more information. Generally lenders will want to see the typical documents required for a home loan application, such as a piece of identification (e.g., driver’s license), bank statements, payslips, loan statements, and more. They are then likely to request additional information related to the building of your home.

House and land packages

House and land packages usually constitute a company packaging up the land and a building plan for a house and selling it together as a combination deal. The construction loans we arrange can be used towards such packages.

How much deposit is required?

Construction loans can mean that you can build a home with a small deposit. You may be able to buy a house with just a 10% deposit, rather than needing a 20% deposit. There is also the possibility of building a rental property with only a 10 or 15% deposit. This is a lot less than buying an existing house or older house, which might need as much as a 30% deposit!


Just Financial is a professional financial adviser service and helps you with buying a home, using your KiwiSaver, insurance and more. Ask us to help you with your financial goals.

  • Home loans
  • Using your KiwiSaver
  • Saving money on your mortgage
  • Refinancing or debt consolidation
  • Low interest rates

  • Life insurance
  • Mortgage protection insurance
  • First home buyers
  • Help when the bank says no
  • Construction loans

Get Help From An Award Winning Financial Adviser

Want to buy a house? Looking for an amazing mortgage broker? Buying a house can be a challenging process. With the right advice, this can be made easy. Just Finance provides a professional mortgage broker service that can help you right throughout New Zealand. From first home buyers, to investors, as well as people who already have a house and want to refinance, there are many ways we help.



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