Finance – HANES DISTRIBUTION

Finance Options for Your Renovation Project

Planning a renovation, insulation upgrade, window replacement, or home improvement? Some New Zealand lenders may offer finance options for eligible projects, depending on your situation and lender criteria.

Submit an Enquiry

Detailed Quotations

We provide clear and structured quotations to help you present accurate project costs to your chosen lender.

Scope & Specifications

We prepare detailed scope of work and specifications to support lender review and project assessment.

Staged Pricing

Flexible pricing structured around your project stages to support better budgeting and financing.

Supporting Documents

We provide the necessary documents and project information required to help you with your finance enquiry.

Supporting Your Renovation Journey with Confidence

Many homeowners want to improve their property while managing costs over time. Depending on the lender and project type, finance options may be available through home loan top-ups, energy-efficiency lending, or personal loans.

We can help by preparing a clear quote, scope of work, and supporting documents—so you can confidently explore options with your chosen lender.

Lender Comparison Overview

A general overview of finance options from selected NZ lenders to help guide your renovation planning.

Lender / Product	Public Offer Snapshot	Best Fit	Important Notes
ANZ Reno Loan	Up to $50,000. 2.50% p.a. fixed for 3 years. Minimum 20% equity.	General eligible renovations	Only available as a top-up to an ANZ home loan. Limited-time offer. Not for business purposes or new dwellings.
ANZ Good Energy Home Loan	Up to $80,000. 1.00% p.a. fixed for 3 years.	Eligible energy-efficiency upgrades	Top-up to ANZ home loan only. Eligible upgrades only.
ASB Better Homes Top Up	Up to $80,000. Fixed for 3 years. Minimum 20% equity.	Insulation, glazing, heating, solar, eligible upgrades	Existing ASB home loan customers. Eligibility criteria and exclusions apply.
BNZ Better Future home loan top-up	Up to $80,000. 1% p.a. fixed for 3 years.	Eligible future-focused home upgrades	Public low-rate offer for eligible upgrades and selected transport options.
Westpac Greater Choices	Up to $50,000 at 0% interest for 5 years.	Eligible efficiency and resilience upgrades	Requires Westpac Choices home lending and at least 20% equity for owner occupiers.
Kiwibank home loan top-up	General top-up pathway for renovations.	Existing customers seeking standard home-loan top-up	No special public general renovation rate identified in reviewed source pages.
Co-operative Bank home loan top-up	General top-up pathway for renovations, with terms available up to 30 years.	Existing customers seeking standard home-loan top-up	No special public general renovation rate identified in reviewed source pages.
MTF Home Improvement Loan	Unsecured personal loan from $2,000 to $30,000.	Smaller renovation or improvement jobs	Useful for smaller jobs, but typically higher-cost than home-loan top-ups.