Whether it's room expansion, backyard landscaping, or a bathroom makeover, a Home Improvement Loan through Bravo Finance can assist in bringing your project to life.
Build it. Update it. Extend it. ​
With our Home Improvement Loan, transforming and finalising your home’s makeover is within reach. Revitalise your living space!
Renovate Now with the Power of Cash
Ready to replace that old kitchen? Apply today, secure the funds, and hire the tradespeople to begin work immediately.
Quick and Easy Online Approvals
Delay no more on your home improvements. Applying for a loan is quick, taking only a few minutes. Get started now!
Tailored Home Improvement Loan
Our loans are customised for every renovation need and budget. Whether it’s a new kitchen, bathroom, or an additional storey, we have a loan for every project.
What is a Home Improvement Loan for?
A Home Improvement Loan through Bravo Finance can finance a variety of renovation projects for your home. Here are some examples of how our customers have used their loans.
- Expanded the deck for more frequent home entertainment.
- Revamped the lounge and kitchen for a faster house sale.
- Upgraded to a modern, open-plan kitchen with the latest appliances.
- Added a 2-car garage, increasing storage space.
- Transformed the backyard into a private retreat with smart landscaping.
- Installed solar panels, significantly reducing energy bills.
- Improved comfort in an older house with underfloor insulation.
Considering adding it to your mortgage?
Think twice before adding renovation costs to your mortgage. While a mortgage extension might seem attractive due to lower interest rates, a shorter-term home improvement loan could be more cost-effective in the long run. You’ll pay off that new kitchen quickly without burdening your mortgage with higher repayments for the next 15 years!
Borrowing for Your Renovations
The amount you can borrow for renovations depends on your financial situation and the type of personal loan you choose (secured or unsecured). We typically offer up to $60,000 for home renovation loans, but we recommend discussing your specific needs with us for a more tailored approach.
Get a Home Improvement Loan up to $60,000
Initial Application Criteria Checklist
- Valid Passport or Driver's Licence required.
- Must be a New Zealand citizen or permanent resident.
- Must be living in New Zealand.
- Must be over 18 years old.
- Current employment details required.
- Details of fortnightly or monthly income after tax.
Disclaimer: Results from this calculator are to be used as a guide only. It is not a quote or an offer of finance. It is not an indication of loan pre-qualification. The calculation uses an example rate of 13.95% p.a. and is based on amortised fixed payments and the interest rate for the term of the loan.
Loan terms and things you need to know: Loan applications are subject to Responsible Lending Enquiries. Repayments shown are indicative only and exclude Brokerage Fees. Interest rates for personal loans range from 10.95% to 24.95% p.a. Loan terms range from 6 to 60 months. Full disclosure of all of the terms of your loan (including the total amount payable over the term of the loan) will be provided to you prior to the finalisation of your loan. Payment Protection Insurance (PPI) is optional and has NOT been included in the payment amounts on the calculator.