Get The Best Home Renovation Loan NZ For Your Next Upgrade

Why stress over endless paperwork when you could be planning your new bedroom’s layout? From minor fixes to major makeovers, we find the right financing for your home renovation.

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Way to borrow

Upgrade your house into your dream home with our home renovation loans

From a luxury bedroom to a modern kitchen, a fresh bathroom, or a complete home makeover, home renovation loans help achieve all of these. At Link Finance, we help kiwis to get the right funds on time so they can enjoy building the homes of their dreams.

Loan term

We provide flexible loan terms ranging from 6 months to 5 years according to your budget so home renovation doesn’t seem like a hassle.

Loan purpose

Whether you want to remodel your kitchen, upgrade the flooring, or do a complete home makeover, our home renovation loans are designed for all. We also offer refinancing of the existing home renovation loans to consolidate and save.

Loan types

If you already have a property or asset, you can opt for secured home renovation loans that can lower the interest rates. While we also entertain the kiwis who have no security, giving them the chance to renovate their homes.

Repayment options

With no hard and fast rules by Link Finance, you can decide to make the repayments just the way you like, fortnightly, weekly, or monthly.

Interest rates

We focus on providing the most competitive interest rates to the kiwis, with our starting percentage as low as 8%.

Transparent fees

Link Finance explains clearly all the fees before initiating the process, so you know exactly what to expect.

Who can apply?

Who’s eligible for a home renovation loan in NZ?

To apply for a home renovation loan or home improvement loans in NZ with Link Finance, you’ll need to meet these basic requirements:

  • Be at least 18 years old
  • Be a New Zealand citizen, resident, or valid visa holder
  • Have a steady income (from employment or self employment)
  • Minimum annual income of $30,000

Even if you’re renovating for the first time, we’re here to help you secure the right home improvement loan.

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Our Simple Process

How home renovation loans work at Link Finance

We make getting a home renovation loan NZ simple and stress free.

Apply online

Complete our fast online application in minutes.

Fast approval

Our team reviews your application quickly, most home improvement loans are approved within 1–2 business days.

Get funded

Once approved, your loan is paid out fast, so you can start your renovations right away.

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Use our smart loan calculator to estimate your repayments and total loan amount.

Plan Before You Apply

How Much Would You Like To Borrow?

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Loan Amount

For How Long

Estimated
Repayments From

$783

$46,965 Total

$180

Total $46,850

9.95%/p.a

Calulated At An Example Rate

Why choose Link Finance for home improvement loans NZ?

Renovation finance experts

We understand what Kiwi homeowners need. From cosmetic upgrades to full home makeovers, we’re experts in home renovation loans and home improvement financing.

Tailored service

We customise every home renovation loan NZ around your renovation plans and financial needs.

Quick turnaround

Need to start your renovation now? We aim to approve and fund most home improvement loans NZ within 48 hours.

Testimonials

Customer feedbacks

Hear what our valued customers have to say about their experience with our services. We’re proud to deliver satisfaction and lasting impressions.

Excellent service from start to finish. Everything was handled smoothly and professionally. Highly recommend to everyone I know!

Gerry Kellmen

Customer

Very satisfied with the overall experience. The team was responsive, friendly, and made the entire process so simple.

Johnson

Customer

Quick, reliable, and professional service. I’m glad I chose them and would definitely use their services again.

Maxwell

Customer

Outstanding experience from beginning to end. The staff was helpful, kind, and made everything easy for me to manage.

Anderson

Customer

Superb service with great attention to detail. I felt valued and supported throughout the entire process without any hassle.

Michael

Customer

Start Building Your Dream Home Today

Whether you’re improving comfort, adding value, or updating your home’s look, a home renovation loan NZ from Link Finance helps you get it done fast. Our home improvement loans are flexible, affordable, and stress free.

Use our online loan calculator to estimate your repayments and apply now. With Link Finance, your renovation dreams are just one step away.

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Our Rates And Fees

We believe in flexibility, offering tailored solutions without fixed fees or rates. Whether it’s a short term Bridging loan, Debt consolidation, Car Loan and Business loan, we have the right loan to match your unique needs.

Interest Rate Range

8% - 22.95%

Loan Limits

$2000 - $100,000

Loan Terms

1 Year - 5 Years

Frequently Asked Questions

Yes, you can! Many New Zealanders choose to take out a home renovation loan alongside their existing mortgage. This allows you to upgrade your home without refinancing your mortgage or using a redraw facility. Most home improvement loans are unsecured, meaning they aren’t tied to your property—making them a flexible option to fund your renovations without disrupting your current mortgage.

The maximum amount available for a home renovation loan NZ depends on your financial situation, income, credit history, and the size of your renovation. At Link Finance, our home improvement loans NZ generally range from $3,000 up to $100,000 or more. For larger projects, a secured loan may give you access to higher limits, especially if you have strong credit and can show the ability to repay comfortably.

The amount you can borrow with a home renovation loan is based on your ability to repay. We look at your income, current expenses, and the scale of your renovation project to determine a suitable loan amount. Whether you need a small upgrade or a complete remodel, we tailor our home improvement financing to fit your goals and budget.

Interest rates on home improvement loans are determined by factors like your credit profile, loan type, and financial stability. A strong credit score may qualify you for better rates, but all home renovation loan NZ applications are assessed individually to offer fair and competitive pricing.

Yes, there may be standard fees such as an Establishment Fee, Introducer Fee, or ongoing account charges. At Link Finance, we believe in transparency—so we’ll clearly outline any and all fees associated with your home improvement loans NZ before you accept the offer. No hidden costs, just honest advice.

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