Loans for home improvement.

Time to tackle that home reno project? Make that house a home with a personal loan from MTF Finance. We can help remove the gib from all the finance gibberish.

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A personal loan to pay for home improvement and DIY projects

You can borrow between $2,000 to $50,000 for home improvement projects big and small.

From kitchen renovations to new bathrooms, decks and even pools, we can help. Our home renovation loans are unsecured personal loans. You don’t need to get quotes from tradies or put any assets up as collateral, which means you can get the money you need quickly and get cracking.


A personal touch at every turn

With a home improvemen loan from MTF Finance, you'll be working with finance specialists. We’ve been helping New Zealanders do more since 1970. Your local team is dedicated to providing exceptional service. We work hard to understand your situation and meet your needs.

Start with confidence

Explore your options and even start your application - with no impact on your credit score.

I want to borrow

$12,000

$2,000

$50,000

For a term of

4 years

6 months

5 years

I'll repay

Estimated repayments

$0

/ fortnightly

Estimated interest rate from: 0.00%

My credit history is

Total to repay: undefined

Rates & fees

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Local kiwis helping local kiwis do more

We help you build a relationship with the same person - your personal lending advisor. Chances are they’re the ‘give us a call’ type, so say goodbye to 0800 numbers and hello to personal service.

Or better still, pop into one of our 50+ offices throughout New Zealand - chances are there's one just down the road.

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How to apply for a loan

It's only three easy steps to apply with us.

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Apply online or in person

You can start your application online, over the phone or pop into one of our 50+ offices across New Zealand.

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Talk with us

We’ll work with you on a loan that suits your needs.

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Get approved

Share some supporting documents, and we’ll get right on to it.

Ready to go?

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Frequently asked questions

Everything you need to make a house a home. You can borrow between $2,000 to $50,000 and use the money toward a DIY project or getting the professionals in. We’ve helped customers add a new room to their house, update their kitchens, create beautiful outdoor areas and much more.

If you increase your mortgage without increasing your repayments, you may pay interest for a much longer period, making the final cost significantly higher.

If you find that the initial loan amount isn’t meeting your needs, talk to your MTF Finance contact about borrowing more. Further lending will mean a new contract and a new loan assessment, but we can work through that with you.

All MTF Finance offices nationwide can offer unsecured loans to eligible individuals and businesses. Our nationwide network of approved vehicle dealerships are currently not able to offer unsecured loans.

As with all MTF Finance loans, you can settle your loan whenever you want. There is a small fee for settling which changes daily and you can check your account online for the most up-to-date settlement figure. Interest rates and fees vary between loan types.

If you’re a New Zealand citizen, resident or visa holder over 18 years of age and have a regular income, you can apply with MTF Finance.