Renovate, repair and reimagine your home

Whether you're planning a major renovation or need urgent repairs, MatchMe Money can help. We'll match you with a home renovation loan in minutes, offering competitive rates and flexible options.

Trades person with circular saw

Financing your home improvements

At MatchMe Money, we understand that your home is your sanctuary. Our home renovation loans are designed to help you address unwanted emergency repairs quickly or create the living space you've always wanted.

Tailored renovation financing

From kitchen makeovers to emergency roof repairs, we match you to loans suited for your unique home improvement needs and budget.

Save time and money

Our streamlined process ensures you can access funds quickly to for emergency repairs or renovation.

Quick stress-free process

Our application is quick, you can focus on your renovation plans or urgent repairs while we handle the financial details

Electrician user a loan to fund her new van

Renovate with confidence

  • Increase your home's value

    Well-planned renovations could boost your property's market value.

  • Flexible financing

    Tailor your loan with repayment terms from 1 to 5 years.

  • Quick funding

    Receive funds promptly to start your renovations or address urgent repair needs.

  • Fixed repayments

    Know exactly what you'll pay each month, making it easier to budget for post-renovation.

  • All-in-one solution

    Cover all aspects of your renovation project with a single loan.

How it works

Getting started is simple

1
Tell us about you

Answer a few questions and verify your identity in a few minutes with just your driver's license or passport.

2
Get matched in minutes

We handle the legwork, assessing your likelihood of approval and matching you with lenders.

3
Find your ideal loan

Explore transparent loan options and terms, selecting the loan best suited for your budget and needs.

4
Sign and receive your funds

We facilitate signing of the loan documents and quick release of funds.

Home renovation loan repayment calculator

Estimate how much your repayments could be, based on how long you would like to make them for.

Select field
Select field
Select field

Estimated monthly loan repayments from

$0

Total repayment (Incl. interest and fees)

The estimated monthly loan repayment figures illustrated above do not constitute a credit offer and are subject to both: (i) your chosen individual lender's approval to lend, and their terms and conditions; and (ii) MatchMe Money's own terms and conditions (including, in both cases, any additional establishment, introduction, security registration and other miscellaneous fees. MatchMe Money's fees information can be found on our interest rates and fees page. Your selected lender's own terms and conditions will be provided in the loan documentation that they will provide to you (if successful). We recommend seeking and obtaining your own financial advice before committing to any loan or financial product.

key loan information

What you need to know up front

Over 18 years of age
Valid New Zealand passport or drivers license
New Zealand citizen, permanent resident or visa holder
No active defaults, judgements or bankruptcies
$3,000 - $100,000
Loan amount
Up to $395
Establishment fee
10.95% - 29.95%
Interest rates
Up to $995
Introducer fee

View further information about our interest rates and fees.

Renovate or repair with confidence

Our home renovation loans can help you finance various aspects of your home improvement projects or emergency repairs:

Planned renovations:
  • Kitchen and bathroom remodels
  • Living space expansions
  • Outdoor area improvements
  • Energy-efficient upgrades
  • Flooring and painting
Emergency repairs
  • Roof repairs or replacements
  • Plumbing or electrical emergencies
  • Structural damage fixes
  • Mold remediation
  • Weather-related repairs
Home enhancements
  • Smart home technology installations
  • Security system upgrades
  • Accessibility modifications
  • Landscaping and garden renovations
  • Home office setups

In case you missed anything?

Can I use the loan for both materials and labour costs?

Yes, you can use your loan to cover all aspects of your renovation, including materials, labour costs, permits, and even furniture for your newly renovated space.

How much can I borrow for my home renovation or emergency repair?

We can connect you to lenders offering loans from $3,000 - $100,000. The amount you can borrow depends on your individual circumstances. We'll assess your income, expenses, and credit history to determine the most suitable loan amount for your situation.

How quickly can I get a home renovation loan?

You can receive a decision in minutes, and once everything is finalised, we can often release the funds on the same day. The more information you provide upfront, the quicker we can process your application.

Will a home renovation loan affect my credit score?

Checking your eligibility with us won't affect your credit score. We perform a 'soft' inquiry that doesn't leave a mark on your credit report. Your score will only be impacted if you decide to accept a loan offer.

Who can apply for home renovation loan?

You're eligible to apply if you're over 18, a New Zealand citizen, permanent resident, or valid visa holder, and have a regular income. We'll need to verify that you can comfortably manage your loan repayments.

Still have questions?

Explore our Frequently Asked Questions so that you can make an informed decision about your home renovation loan. If you need further assistance, our team is here to help.

Secured or unsecured loan?

Secured personal loans use an asset (like a vehicle or property) as security, and lenders may offer lower interest rates, higher borrowing limits, and longer repayment terms. However, the asset may possibly be repossessed if you do not keep up on the payments for the loan.

Unsecured loans don't require security, which could provide more flexibility in fund usage and possibly a simpler application process. However, these loans typically have higher rates, lower limits, and possibly shorter terms.

Whether you need a secured on unsecured loan, MatchMe Money can help match you with loan options tailored to your financial situation.

Home owner sanding boards for his home renovation with a loan from MatchMe Money

Why choose us

As a New Zealand-based company, we understand the unique needs of Kiwis and the local finance landscape. We’re here to assist you with personalised, transparent, and reliable financial solutions.

Cutting edge technology

We use the latest technology to match you to lenders fast, giving you access to personal loan options all in one place.

Comprehensive security

Your personal and financial information is safe guarded with bank-level encryption, giving you peace of mind throughout the application process.

Transparency you can trust

We believe in clear honest communication, no hidden fees or confusing jargon.

Important information
  1. Interest rates can range from 10.95% p.a. to 29.95% p.a. for vehicle and personal loans with terms of 12 to 60 months. Your actual rate depends on your circumstances, loan type, security provided, and an individual credit assessment.
  2. Please view our rates and fees. Additional lender fees may apply. Please review all fees in any loan contract before accepting. Approval is subject to lending criteria and an affordability assessment. Offers are subject to approval. Terms and conditions apply.
  3. Please note that we do not provide financial advice. The information on this page does not constitute a loan offer. We strongly recommend that you seek independent financial advice before making any financial decisions. Every individual's financial situation is unique, and a qualified financial advisor can provide personalised guidance based on your specific circumstances.
  4. Taking out a loan is a significant financial decision. Make sure you fully understand all terms, conditions, and potential costs before proceeding. If you have any questions about the information provided, please don't hesitate to ask us for clarification.

Start your home transformation today

Apply now and get the home you have always wanted.