Buying guide

Home renovation loans: How to get one + how they work

Let’s finance those renos

Ben Tutty
By Ben Tutty (Content Writer)
Last updated: 15 April 2026 | 3 min read

For many people a mortgage top up is the best option

Can’t borrow against your home? Consider a renovation loan

Before you start knocking down walls make sure your finance is sorted.

Drawbacks of renovation loans (there are a few)

ALWAYS APPROACH WITH CAUTION

How to keep your renovation budget down

Author

Ben Tutty Ben Tutty
Content Writer

Discover More

Front view of Delamore Lodge

What Stars Really Want From a Waiheke Getaway

Discover why Waiheke Island is the luxury retreat of choice for celebrities and high-end travellers.

Front view of the gorgeous property.

Inside the 161-year-old home with a turret dining room, good spiritual vibes

Historic Wellington villa with a turret dining room, stained glass and a peaceful garden oasis.

Advice & Tools

PROPERTY NEWSLOOKING TO BUYTHINKING ABOUT SELLINGHOME INSPIRATION

Search

Other articles you might like

Bathroom renovation guy
Buying guide | 4 min read
The best bathroom renovation companies in Christchurch

Loo need a spruce? These are your guys.

9 February 2026

Woman doing DIY renovation
Marketplace discover | 6 min read
Get inspired with these thrifty renovation ideas

Check out these fun ideas to refresh and revive your home this year.

DIY budget kitchen renovation
Buying guide | 7 min read
Budget kitchen renovations: Getting big results, with little $

You don’t need to spend $50k to make your kitchen beautiful

2 March 2026

Start a listing icon
Start a listing
Watchlist icon
Watchlist
Favourites icon
Favourites
Sign up icon
My Trade Me
© 2026 Trade Me Limited