Finance That Brings Your Renovation Plans to Life

Got big plans for your home? Whether you’re upgrading the kitchen or extending a family home, Optimise Finance helps homeowners access funding for renovations in a sustainable way.

We’ll explore whether you can top up your current mortgage, use equity, or take a separate loan. We’ll also help you decide whether to fix or float, how to stage your borrowing, and how to keep repayments manageable. Renovating is about adding value—not financial pressure. We’ll work alongside you to make sure your lending supports your vision, without overextending your budget.

Renovation lending can also tie in with refinancing, helping you secure better terms while funding your upgrades. We support everything from minor cosmetic work to major rebuilds, and we’ll make sure your bank or lender understands your plans.

If you're located in Auckland or on the Hibiscus Coast and have a renovation project in mind, let Optimise Finance help you unlock your home’s potential.

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How We Can Help

We’ll work with you to secure the right loan or top-up for your renovation plans, ensuring your funding aligns with your goals and budget. We take care of the legwork so you can focus on the build.

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Next Steps

Let’s turn your home upgrade ideas into action. Contact Optimise Finance today for a free consultation and see how we can help fund your renovation.