Home renovation loans from 7.90% p.a.*

Dreaming of renovating your property? Make it happen with a Unity home improvement loan. Apply online today.

Home renovation loans from 7.90% p.a.*

Dreaming of renovating your property? Make it happen with a Unity home improvement loan. Apply online today.

Select the flexible home improvement loan rate that suits you

secured home improvement loans from
7.90%
p.a.*

minimum $2,000 - maximum $60,000 affordability and credit score criteria apply

unsecured home improvement loans from
8.90% p.a.*

minimum $2,000 - maximum $60,000 affordability and credit score criteria apply

                                          

From 1 December 2021, our lending process will look a little different as we comply with new lending laws. This means the way we assess loans has changed, and we’ll take a few extra steps to make sure a loan is both suitable and affordable for you. You can download information on these changes here.  

More information on financing your renovations

Have you been wanting to renovate your home, but don't have the money to get the look you want? A home renovation loan from Unity can turn your dreams into a reality. Our home improvement loans are the perfect financing option for people who want to renovate or upgrade their home. Whether you want to update the kitchen, build an extension, or add value before selling, we can help. 

For more information on how we can help finance your renovations, simply fill out our online application or call 0800 229 943 to speak with our friendly team today.

Rates & loan information

Loan value

$2K - $60K

Loan term

6 months - 7 years

Interest rates

7.90 - 25.90% p.a.

Approval fee

$200

Personal finance rates

Our interest rates are priced using a risk matrix that takes into consideration a range of factors including an individual's credit score and affordability. Based on the assessment of an individual's financial information provided we will assign a risk grade and the corresponding interest rate could apply.

 

Secured loan

Unsecured loan

GradeInterest rate p.a.^Interest rate p.a.^
Orange A 7.90% 8.90%
Orange B 9.90% 10.90%
Yellow A 11.90% 12.90%
Yellow B 13.90% 14.90%
Green A 15.90% 16.90%
Green B 18.90% 19.90%
Blue A 21.90% 22.90%
Blue B 24.90% 25.90%

^Note: These interest rates are indicative only and may be subject to change without notice.
As published on interest.co.nz as at 29 September 2021.

View our interest rates and fees here. For information on our loan agreements and terms and conditions click here.

Ready to see what you can borrow?

Use our lending calculator and apply online for finance today. Contact us for more information or to speak with our team.