Need a little mortgage top up?

We'll happily arrange a top up for you with your bank.

And if you decide to leave the bank out of it we've got our very own Homeowners Loan of up to $70k to sort you out. 

Get in touch and we can figure out the best option for your needs.

Mother and son holding paint brushes and squirrel holding a paint brush, all painting orange curve
Swoosh
Back of man painting wall with paint roller

The Homeowners Loan is the fastest way to get a personal loan without talking to the bank.

Borrow against your house for things like:

  • Home renovations
  • Big ticket items for the house
  • Home repairs
  • A new vehicle

You'll have the money in your account within a day or two once we've got the info we need.

What's good about the Homeowners Loan?

hands clapping

Zero fees

Yes! Zero. Nada. Zilch.
(Except if you default. Then there's fees.*)

cherries

Interest-only payments

Interest-only payments at 9.75%*. We call that the cherry on top.

paintbrush

Borrow up to $70k

You'll soon have up to $70k* in your pocket so you can get started on your project.

Applying is fast, secure and 100% online. It doesn't get much easier.

Woman typing on laptop

1. Complete our online application

Apply for anything between $1k and $20k unsecured or up to $70k secured. Just make sure you've got your NZ drivers license or NZ passport handy.

Hand holding coin adding to piggy bank

2. We drop the money into your account

Provided everything stacks up, the money will appear in your account within a couple of days, depending how quickly we get the info we need.

Two people standing, holding paint bucket and roller

3. Now get your project underway

Now you've got the funds, the fun begins. Start turning those ideas into reality.

Arrow

What will my homeowner’s loan repayments be?

Work out your regular repayments and how quickly you could pay off your personal loan.

Step 1 of 1

Minimum $1,000, maximum $70,000

So many repayment options

  • After the first year of interest-only repayments*, our mortgage brokers can arrange for the remainder of the loan to be absorbed into the mortgage (subject to bank criteria). Otherwise, you can pay it off over 2-7 years. 
  • You also have the option to pay it all off in full, whenever you like without any early repayment fees. That's right - you call the shots.
Man and dog sitting on couch with laptop

Our interest rates

Term Rate
1 year interest-only 9.75% p.a.
2 - 3 years 9.85%. p.a.
5 - 7 years 9.95% p.a.

See for yourself what the application looks like


Videos in this series:

Get down to the nitty gritty

*If you or a guarantor default on your obligation, you may be obliged to pay costs and expenses for enforcement. Rates shown are based on current rates. Rates are subject to change. Affordability, responsible lending and credit criteria apply. Subject to available funding.If your loan falls into arrears, a default interest rate of 5% p.a. will be added to your fixed interest rate and remain in place until your loan is back on track and out of arrears. Example: A borrowed amount of $10,000 over 1-year interest-only would result in repayments of $83 per month at 9.75% p.a. (not risk graded). If a payment is missed or a loan is in arrears for a period of time, default interest may apply. Check out our fees page.

Don’t just take our word for it

StarStarStarStarStar

See for yourself what our clients think with 1,451 five star reviews on Shopper Approved.

B

Bede

New Zealand

StarStarStarStarStar

We were very happy with our experience dealing with Sudam, he was very professional and did a lot of work applying with different banks. He went over and above hustling to get things sorted out when we had some unexpected complications and needed to get more documentation. We would definitely recommend Squirrel and especially Sudam.

P

Pip

New Zealand

StarStarStarStarStar

Bianca was awesome to work with! She was super professional and happy to answer all my questions, explaining everything clearly. As a first-time home buyer, I really appreciated her help. I'd definitely recommend using Squirrel in the future!

FW

Fraser Worthington

New Zealand

StarStarStarStarStar

Aatish is excellent to deal with. Gave great advice and guidance through the process. A++, would trade again.

M

Mario

New Zealand

StarStarStarStarStar

We dealt with Emma Wallace for our first home purchase and she was excellent. Emma is knowledgeable and very sensible, she gives the necessary information and makes things easy to understand. I would highly recommend Emma to anyone who looking to buy a property.