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Small space to stunning sanctuary.
Give your home the upgrade it deserves with a renovation loan that’s simple, fast, and fits your budget.
Kickstart your renovation today
Renovate your way
Upgrading or building, get the full loan upfront and stay in control - no staged payments, no limits. Use it where and how you want.
Finance that fits
Simplify offers straightforward renovation funding with no redraws or refinancing, no security, and no hoops to jump through.
Add extra value
Boost your property’s potential - increase its value, improve comfort and functionality, and invest in lifestyle upgrades that last.
Simplify can help bring your renovation dreams to life without dipping into your savings or waiting for equity.
How to works
We work with you to create your next perfect space
1
Quick apply
Complete our quick online form with a few details about yourself and your plans.
2
Get fast decision
We’ll review your application and get back to you quickly. No long waits or confusing processes.
3
Get your funds
Once approved, your loan is paid directly into your account, to start your renovation.
Join thousands of Kiwis who’ve made their home more homely with a renovation loan from Simplify.
Thinking about updating your kitchen, adding value to your home, or transforming your outdoor space?
A home improvement loan from Simplify can help you make it happen, sooner, and on your terms. Before you apply, here’s what to know.
What is a Home Improvement Loan?
A home improvement or renovation loan is a type of personal loan you can use to finance anything from DIY upgrades to full-scale renovations. It’s a great way to cover upfront costs without tapping into your savings or refinancing your mortgage.
Common reasons to apply include:
Kitchen or bathroom upgrades
Roofing, insulation, or structural repairs
Outdoor renovations like decks, landscaping, or fencing
Installing solar panels or water tanks
Adding a room, garage, or home office
Pool installations or major makeovers
Types of Renovation Loans
Unsecured Personal Loans (offered by Simplify)
Unsecured loans don’t require any collateral—so your house, car, or other assets stay untouched. You borrow based on your credit and ability to repay. This keeps things simple, flexible, and fast.
Secured Personal Loans
These require you to put up an asset (like your home or vehicle) as security. If repayments aren’t made, the lender can repossess the asset.
Mortgage Top-Ups
Borrowing more on your mortgage might seem appealing due to lower interest rates - but watch out for long-term costs. Spreading the loan over 20–30 years could mean paying more in interest overall.
Simplify offers short-to-mid-term options, so you stay in control.
Top Tip: Mortgage top-ups can seem appealing due to lower interest rates, often stretch your repayments over decades - making your renovation much more expensive in the long run.
Things to consider before you Apply
How Much Can You Comfortably Repay? Work out your budget and repayment comfort zone. Our team will assess your finances carefully to ensure the loan is right for you. Use our loan calculator to get an idea of your repayments.
Simplify loans come with flexible terms, and no early repayment fees. That means if you want to pay it off faster, you can - saving on interest.
How much should you Borrow?
Borrowing too much can cost you more in interest. Not borrowing enough could stall your project. We recommend planning your renovation budget first, then applying for what you actually need.
Ready to Renovate?
Apply online in minutes and take the next step toward a home you love - inside and out. Fast approvals, no hidden fees, and no security required.
Have a question?
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