Don't wait years to save up for the renovation you want. Apply once with Lending Room and we match you to lenders who specialise in home improvement finance. Rates from 8.99% p.a. with no impact on your credit score from our check.
From a new kitchen to a full extension, we match you to the right lender for your renovation project.
Two of the highest-value renovations you can make. Finance the full project including materials, labour and fittings.
Adding a bedroom, garage or living space. Finance larger projects with loan amounts up to $250,000.
New flooring, painting, insulation or interior fit-out. Finance the full scope of your interior upgrade.
Improve your home's energy efficiency with finance for heat pumps, solar panels and insulation upgrades.
Outdoor decking, landscaping, fencing or a pool. Extend your living space outside with a renovation loan.
Apply once and our team will match you to the right lender for your specific renovation project.
Apply nowOne application reaches lenders who specialise in home improvement finance. No credit score impact from our check.
We run one soft credit check that does not affect your score. Once matched, some lenders accept our check while others may run their own.
Access competitive rates from specialist lenders. Better than using a credit card or store finance to fund your renovation.
Unsecured loans available without using your home as security. Secured options available for larger loan amounts at lower rates.
Same-day assessments available. Get your project started sooner rather than waiting weeks for bank approval.
We match you to the lender most suited to your renovation project and financial situation.
Checking your options costs nothing and commits you to nothing. You choose whether to proceed.
One short form. We handle the matching, the follow-up and the hard work.
Takes about 5 minutes. Tell us your loan amount, purpose and basic situation. Just the once.
We run a soft credit check and match you to the lender on our panel most likely to get you a better deal. A soft check does not affect your credit score.
Our team contacts you with your approval. If it works for you we guide you through to settlement. No obligation at any stage.
Ready to get started?
Apply in 5 minutes. One application. A better loan deal.
We help employed New Zealanders with a good credit history get the finance they need for their renovation.
You are employed
Full-time, part-time or self-employed with verifiable income.
NZ citizen, resident or eligible visa holder
Open and employer-specific work visas with at least 13 months remaining.
Good credit history
We work with borrowers who have a clean or near-clean credit record.
Loan amount between $3,000 and $250,000
Terms from 6 to 84 months.
What to have ready
Having these on hand will speed up your assessment.
Your NZ driver licence or passport
3 months of bank statements
Details of your renovation project and estimated cost
Details of any existing loans or debts
Common questions about funding your renovation through Lending Room.
Can't find what you're looking for? Contact our team
No. Unsecured renovation loans are available without using your home as security. If you do own your home, secured options may be available at lower rates for larger loan amounts.
We run a soft credit check during our assessment which does not appear on your credit file or affect your score. Once we match you to a lender, some accept our soft check while others may run their own standard credit check as part of their process. We will let you know before we submit.
The minimum is $3,000 and the maximum is $250,000 depending on the lender and your personal circumstances. Loan terms range from 6 to 84 months.
Yes. Once the loan is approved and funds are deposited, you can use them to pay builders, tradespeople, suppliers or any renovation-related costs.
Same-day funding is possible for applications approved before 12pm on business days. Most applicants hear back the same day they apply.
A broker and introducer fee of up to $1,500 applies when your loan is successfully funded. This fee is added to your loan amount and is GST inclusive. It is disclosed clearly before you commit to anything and you are never under obligation to proceed. Lender establishment fees may also apply depending on the lender.
Rated 5 out of 5 on Trustpilot
One application, one soft credit check, matched to the right lender. Our team will help you find the right finance for your project.
