How it works For homeowners For agents For tradespeople Check eligibility FAQ Get started →
Auckland pre-sale renovation finance

Renovate now.
Pay at settlement.

Curb funds your pre-sale renovation at zero upfront cost. You pay nothing until your home sells — repaid automatically from the proceeds.

Check if I qualify See how it works
$0
Upfront cost to you
70%
Max combined LVR
$5K–$250K
Facility range
Auckland
Currently operating
How it works

Four steps.
One simple idea.

Curb handles the renovation. You focus on the sale. Everything is repaid at settlement.

01
We assess your property
Daniel visits your home, scopes the work, and confirms your equity position. Free, no obligation.
02
Finance is approved
We arrange a secured credit facility tied to your property equity. A caveat is registered on title before any work begins.
03
We manage the renovation
Curb coordinates every trade. You stay informed. Work is completed to a professional standard, on time.
04
Repaid at settlement
Your home sells for more. The facility is repaid automatically at settlement. You keep the difference.
For homeowners

Sell your home
at its best.

Most Auckland homes sell for less than they're worth because the owner can't afford to renovate before listing. Curb changes that.

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Zero cost until settlement
No deposit, no progress payments, no spending while your home is on the market.
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More money from your sale
A well-presented home attracts more buyers and stronger offers. The renovation typically returns far more than it costs.
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We handle everything
Curb manages every tradesperson, every timeline, every sign-off. You don't need to coordinate a thing.
Check if I qualify →
Example deal
$1,000,000
Estimated current value · Remuera, Auckland
Existing mortgage$540,000
Curb renovation facility$60,000
Combined LVR60% ✓
Sale price after renovation~$1,150,000
Extra in your pocket~$90,000
Illustrative only. Sale price projections are provided independently by your real estate agent — not by Curb.
For agents

Help your vendors
sell for more.

Partner with Curb and offer your vendors a fully funded pre-sale renovation at zero upfront cost. You stay in control of the listing and relationship.

01
You refer, we fund
Identify a vendor who'd benefit from renovation. Refer them to Curb. We handle assessment, finance, and the renovation. You list a better home.
02
Your relationship stays yours
Curb manages the renovation only. We never touch pricing, marketing, or the sale. Your vendor relationship is completely protected.
03
Paid at settlement
When the property settles your referral fee is paid automatically. Fixed rate, agreed upfront. No invoicing or chasing required.
Become a partner agent →
For tradespeople

Quality work.
Reliable pay.

Curb is building a network of licensed Auckland tradespeople across all residential renovation trades. Join now and be first in line as jobs come through.

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Paid on completion — not at settlement
You don't wait for the house to sell. Payment is released when your scope is signed off. No chasing invoices.
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Scope is clear before you start
Every job comes with a detailed scope document, photos, and an approved budget. No surprises, no scope creep.
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Repeat work as Curb grows
Trusted tradespeople get offered work first. Build a long-term relationship with a single point of contact.
Join the network →
How it works for you
You quote. We approve. You do the work.
No admin, no chasing, no payment delays.
Step 1Receive scope + photos by email
Step 2Submit your quote via simple form
Step 3Quote approved — work order sent
Step 4Complete work, upload photos
Step 5Signed off → paid promptly
Trades we work withBuilder · Painter · Tiler · Kitchen fitter · Flooring · Landscaper · Electrician · Plumber
Quick check

Do you
qualify?

Enter a few numbers and we'll instantly tell you whether Curb could work for you. No credit check. No personal details required.

Curb uses a combined LVR calculation — your mortgage plus the renovation cost, divided by your property value. We require this to stay under 70%.
Your property details
$
$
✓
You look eligible.
Based on your numbers, your property appears to meet Curb's criteria.
Property value
Mortgage
Curb facility
Combined LVR
0%Your LVR70% limit
Next step: Book a free property assessment — no obligation. We'll confirm the exact scope and costs in person.
Book a free assessment →
~
Worth a conversation.
Your numbers are close to our threshold. A smaller scope or current valuation may tip you over the line.
Property value
Mortgage
Curb facility
Combined LVR
Our take: Get in touch anyway. We use a current property valuation and your actual eligibility may be better than these estimates suggest.
Talk to Curb →
✗
Not quite — yet.
The combined LVR is above our 70% threshold. There may not be enough equity at this renovation scope.
Combined LVR
Curb maximum70%
What could help: A smaller renovation scope, a higher property value estimate, or reducing your mortgage. Try adjusting the numbers above.
FAQ

Questions
answered.

Everything you need to know about Curb.

Do I really pay nothing upfront?+
Correct. Curb funds the entire renovation — no deposit, no progress payments. The full amount is repaid automatically at settlement from your sale proceeds.
What if my home doesn't sell?+
The facility has an agreed maximum term. If the property hasn't sold within that period, standard repayment arrangements apply. We discuss this clearly before any work begins.
What renovations does Curb fund?+
Cosmetic and strategic work that improves your sale price — kitchens, bathrooms, painting, flooring, landscaping, lighting. We don't fund structural work or full rebuilds.
How much can I borrow?+
Renovation scopes start from $5,000 and can exceed $250,000 depending on your equity and scope. We assess each property individually — no one-size-fits-all amount.
Do I need to own my home outright?+
No. You need sufficient equity, not outright ownership. We assess your existing mortgage alongside the Curb facility against your current property value.
Is Curb available outside Auckland?+
Currently Auckland only. NZ-wide expansion is planned — get in touch and we'll let you know when we reach your region.
Is the partnership exclusive?+
Completely non-exclusive. No volume commitments, no obligations. Refer as many or as few clients as you like.
How does the referral fee work?+
When your referral settles, your fee is paid automatically alongside Curb's repayment. Fixed rate, agreed upfront. Zero admin on your end.
Does Curb interfere with my vendor relationship?+
Never. You remain the primary relationship. Curb manages renovation only — no involvement in pricing, marketing, or the sale itself.
How do I sign up as an agent?+
Use the contact form below and select "Real estate agent." We'll reach out within 24 hours. Most agents are ready to refer within a few days.
Do I need to be licensed?+
Yes. LBP for building work, current practising licences for electrical and plumbing. We vet all tradespeople before adding them to our network.
When do I get paid?+
On completion milestones — not at property settlement. Once your scope is completed and signed off, payment is released promptly.
How much work is available?+
We're building our pipeline — volume is growing, not fully established yet. Register now and be first in line as jobs come through.
How do I join the network?+
Use the contact form below and select "Tradesperson." Include your trade, licence details, and areas you cover in Auckland.
Get in touch

Let's talk
about your home.

Whether you're a homeowner, agent, or tradesperson — we'd love to hear from you. We respond within one business day.

📍
Location
Auckland, New Zealand
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✉️