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Renovation Loans

Home Renovation Loans

Looking for money to finance a renovation on your home?

Our professional advisers may be able to help!

How to get a loan for renovations

If you need money for renovations, ask us. Decide on what type of renovations you might want – are they cosmetic, or more substantial?

Examples of renovations

Extending a House – Some people wish to expand or extend their house. The purpose of this can be to build an addition on the house, such as a new bedroom, or it might be to create a deck, another living room, etc. It may be possible to arrange funding for this so that a builder can do it for you. Also, when you extend your house, if it is done intelligently, it can mean a decent increase in the value of your home.

New Carpet – Carpet can be costly, but it is a popular way to bring freshness into a home. Understandably, with years of use by family members and pets, carpet can diminish. Getting a new carpet is a popular idea and people often look at replacing the carpet in their home every 10-15 years. This can be an important way to freshen up a home, especially if the current flooring or carpet is past its prime, and can add value to your home.

Repainting – Houses tend to benefit from a fresh coat of paint. Some people recommend repainting a house every 7-10 years internally and/or externally. As colours often fade or change, and styles evolve, it can be important to repaint your home. Giving your home a fresh coat of paint is something worth looking into.

New Drapes or Curtains – Drapes and curtains can be replaced as well. Finding the right fit and type of drapes or curtains can sometimes cost a lot of money, and getting it done can be complex. Getting a loan or finance for drapes and curtains is a popular with many people.

Fencing – Fences add privacy to your home and are a popular type of renovation or addition that people desire. Fences can be expensive to build, especially due to the design, land, and other factors.

Recladding – Recladding is a very substantial type of building work. Some people need a home loan for recladding in order to fund this expensive task. Getting funding to reclad your home, for example a plaster home to wood or weatherboard, can be complex, however it can be done in a lot of circumstances. For this type of complicated work it is worth speaking to a suitably qualified mortgage broker.

Should you renovate your house?

There are many factors to consider and it is worth seeking separate professional advice about this. Sometimes homes need ‘repairs’ which are often more urgent. On the other hand, renovations can add value to the home.

It is worth discussing whether a renovation will prove to be a worthwhile investment.

How to apply for a renovation loan?

In order to apply for a renovation loan it is worth contacting a suitably qualified professional. You can speak with us and our professional adviser service will provide you with financial information about how to borrow money for a renovation.

It is possible that a renovation loan could be done through your bank, or an alternative finance provider.


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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