Home Renovation Loan

Start Your Dream Project With A Home Renovations Loan

Get started today with a Future Finance Home Renovation loan.

Transform Your House with Confidence With A Home Renovation Loan From Future Finance

Your home should evolve with your needs, whether that means creating space for a growing family, modernising outdated rooms, or finally building that outdoor entertaining area you've always wanted. A home renovation loan from Future Finance gives you the funds to make these improvements happen now, not years down the track.

Why Finance Your Renovations?

Waiting to save for home improvements often means living with problems that get worse over time. That leaking roof won't fix itself, and delaying kitchen upgrades when your family has outgrown the space affects daily life. By financing your renovations now, you can enjoy the benefits immediately while spreading the cost over a period that suits your budget.

Planning Your Renovation Finance

Smart renovation planning starts with understanding your options. Unlike adding to your mortgage over 20-30 years, a loan for renovations typically runs 2-5 years, meaning you'll pay less interest overall and own your improvements outright much sooner. This approach also keeps your home loan separate from your renovation costs, giving you clearer visibility of what each is costing.

Popular Renovation Projects We Fund

Kitchen and bathroom upgrades remain the most popular renovations, often adding significant value while improving daily life. We also regularly fund outdoor projects like decks and landscaping, essential repairs such as roofing and plumbing, and comfort improvements including insulation and heating systems. Whatever your project, we can tailor a loan to match your needs.

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Apply online in just 2 minutes or call 0800 25 10 10 to speak to a loan specialist

Making Your Renovation Dreams Reality

The difference between dreaming about renovations and actually doing them often comes down to having the right financial partner. We understand that renovation projects can evolve once work begins, which is why we offer flexible solutions that can adapt to your needs. Our straightforward application process means you could have approval within hours, not weeks.

Maximising Your Renovation Investment

Strategic renovations can significantly increase your property's value while improving your quality of life. We've helped thousands of Kiwis fund projects that not only solve immediate problems but also prepare their homes for the future. Whether you're planning to stay long-term or preparing to sell, the right renovations make a real difference.

From Plans to Reality

Taking on a renovation project requires confidence in your financing. With fixed interest rates and no hidden fees, you'll know exactly what your project will cost from day one. Our experienced team can help you structure your loan to ensure your repayments remain comfortable throughout your renovation journey.

Start Your Renovation Journey Today

With over 25 years of experience helping Kiwis improve their homes, we know that renovation loans are about more than just money - they're about creating spaces where memories are made. Let us help you transform your house into the home you've always envisioned.

Our Easy 3 Step Loan Process

Contact our friendly team

Apply online or call us on 0800 25 10 10

We complete
your application quick as

We'll call you to verify some things.

Everything's sorted!

Once your loan is approved and completed, we aim to have money in your account in less than 1 hour

Easily Apply Now

Or call our trusted team on 0800 25 10 10

We understand life happens - and our simple solutions are here to help

We're ready to help now.

Payments that suit you
We know that flexibility and a repayment schedule that fits with your lifestyle is important to you. We'll do our very best to make it work for you.
We don't judge.
Your business is your business. Our job is simply to help you get to where you want to be, and our trusted team are always available with a friendly ear to help you get what you want today.
No hidden fees
Rest easy. Everything is up front and transparent with Future Finance. We promise.

So - what are you waiting for?

A better future starts today

Easily Apply Now or call our trusted team on 0800 25 10 10

“Professional service & most importantly - straight up.”

Scott, Taupo

“The best service I have ever had! Thanks Future Finance.”

Tina, Taranaki

“Prompt and efficient, they made me feel at ease.”

Katherine, Christchurch

Disclosure Statement & Terms

Our terms range from 6 months to 5 years. View our loan terms here.

Interest rates are fixed and range from 11.99% to 27.99% p.a.
The interest rate offered will depend upon your credit history, security offered and your overall credit profile.

The term of your loan will depend on your financial circumstances and take into account:

how much you want to borrow
security being offered
your income
your other financial commitments
your credit history

Future Finance Ltd does not associate itself with High Cost Lending

Representative example of the Total Cost of a Loan: If you borrow $10,000 over a repayment term of 36 months with an AIR of 12.99%, your total loan payments will be $12,846 (made up of $10,000 principal, interest charges of $2,182 and monthly admin fee of $5 and an establishment fee of $485).

This example assumes weekly repayments and does not include premiums for any optional waivers or additional fees (if any).

For a quote on Business Lending please contact our business team specialist on 0800 25 10 10.

You are protected by responsible lending laws. Because of these protections, the recommendations given to you about your loan is not regulated financial advice.

This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.