The little loan with big benefits

Access the equity in your home the easy way. Zero fees1. Interest-only repayments at 7.95%2 and up to $70k3 in your pocket fast. Leave the bank out of it - we've got you.

Find out more

Couple renovating, hugging

The fastest way to borrow without talking to the bank.

Use the Homeowner's Personal Loan to fund things like:

  • Home improvements
  • Repairs
  • Marketing/staging costs when selling
  • Big ticket items for the house
  • Paying a deposit

Download everything you need to know, for when you're ready.

When it comes to house-related projects, we get that it can be a long process. So if your project is still in its beginning stages we'll email you all the information you need so it's conveniently all in one place, whenever you're ready to think about the finance part.

Don't worry, we hate spam too - we're not about to bombard you with emails.

Send me the info

We're a peer-to-peer lender with the personal loan to fit your purpose. No fees, seriously low interest rates, and flexible terms are just some of the reasons why Kiwi home owners use it to fund their home improvements.

No fees.
Interest-only for the first year.
Quick and easy application.
Pay it off any time with no penalty.

Ready to get started now? Fill in our super simple online application.

The boring bits:

1 If you or a guarantor default on your obligation, you may be obliged to pay costs and expenses for enforcement. 
2 Rates shown are based on current rates. Rates are subject to change.
3 Affordability, responsible lending and credit criteria apply. Subject to available funding.