Sourcing the funding for your home renovations

From a tidy up to a rebuild, we can help you find a loan for your home improvements and renovations.

Right-sizing your funding to your renovation

Awesome: you’ve decided to make your home more liveable and more valuable. All you need is the funding – and that’s where we can help.

We have a lot of experience and expertise in structuring your lending to pay for renovations. The best option might be to restructure your existing home loan, or for larger projects you might need a construction loan.

Either way, we can help find the best sources of funding, and negotiate hard with lenders to get you the best possible terms and the best rates.

Are you already halfway through a renovation and need more funds? Talk to us today. We’ve secured loans for renovations where others have called it impossible.

Why choose Luminate?

We’ve been securing property finance for our clients since 1998, and in that time we’ve sourced nearly $10 billion in loans.
We give you expert financial advice on your best lending options, and complete your applications on your behalf. We set out your case in a compelling way, with everything lenders need to make a fast decision. Then we negotiate hard on your behalf to get you a deal that could save you thousands in repayments. Call us today.

Customised loan options

We can create a funding plan for your project’s budget, timeline, and goals, and find the lenders best-suited to you.

Experienced loan advisors

We understand renovations and building, and how the costs can be challenging. We can give you advice on the best ways to fund your project, and help you secure the loans.

Wide range of lenders

We work with an extensive network of lenders, including those who understand renovation finance. That means we can give you more loan choices and a better chance of approval.

Book a call

Get the funding you need in four simple steps

Get started

Contact us

Get in touch with our team of experts by phone, email, or filling out our online form. We’ll ask you some questions to understand your unique situation and loan needs.

Application and assessment

We’ll let you know which documents we need to start your applications. We’ll look at your income, expenses and credit history to work out how much you might be able to borrow.

Approval and terms

We’ll complete your applications and lodge them with our lenders. When they get back to us we’ll let you know the results, including interest rates and fees. You can ask us questions and make sure you understand the offers.

Settlement

We’ll get you documents to sign for your loan, and make sure the funds go through. They will usually go through to your account in either a lump sum, or as a series of payments linked to particular milestones in your project.

Increase your home value and living experience

Take the next step and let our expert team guide you through every part of the process, from finding out how much you can borrow to choosing the right loan features.

Contact us
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11 McColl Street,
Newmarket,
Auckland 1023

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