Auckland renovation finance

Renovate now — pay $0 upfront until settlement.

Indication only. Subject to financing partner approval. If approved: no upfront renovation or progress payments. Fees and interest may still apply. Typically repaid from sale proceeds at settlement.

Home or investments.

Two ways to work with us: Finance only, or Finance + manage.

Apply → How it works
Auckland property
Quick check

Could Curb work for you?

Move the sliders for an instant indication. This calculator check doesn't involve a credit check. No personal details required.

Property value $1,000,000
Existing mortgage $540,000
Renovation scope $60,000
Combined LVR Eligible
60%
0%85% cap100%

Max 85% combined LVR. At or below 70%: interest and fees may sit in the facility, or you can choose interest-only.

Illustrative extra at settlement +$90k

Indication only · not approval · not a guaranteed outcome · this calculator check doesn't involve a credit check

How do you want to work with us?

Same financing-partner introduction. You choose who runs the renovation.

Finance only

We introduce you to a financing partner. You run the renovation.

  • You organise the trades
  • You own the timeline
Choose Finance only

Finance + manage

You tell us what you want — we manage the project and complete the renovation for you.

  • Same finance intro
  • You decide; we organise
Choose Finance + manage

Eligible is an indication only. A financing partner alone decides. Curb does not lend or approve credit.

$0
Upfront until settlement
If approved
85%
Max combined LVR
Over 70%: interest-only
$1K–$200K
Facility range
Auckland
Currently Auckland-only
How it works

Three simple steps.

Curb introduces you to a financing partner. Then you choose Finance only, or Finance + manage. Your financing partner alone decides whether to approve any facility.

01

Free property assessment

We look at the property, renovation scope, and equity. This is not a credit decision. No obligation.

02

Financing partner decision

A financing partner alone decides whether to approve a facility. Where agreed, it may be secured against the existing property by a caveat — only enforced if necessary.

03

You choose how work runs

Finance only: you run the renovation. Finance + manage: optional Curb coordination where agreed. Neither path is a credit approval.

Check eligibility →
Feedback

From conversations with Auckland property owners.

Illustrative feedback for context — not verified reviews, and not a promise of similar outcomes.

Curb walked me through what could be considered. Trades showed up Monday. We listed a few weeks later.
Sarah T. Property owner · Remuera
Changed how I pitch tired listings to vendors. It's a useful third option when a home needs work before sale.
James W. Real Estate Agent · Auckland Central
Selling felt like a heavy discount or a scary loan. Curb was a third option to talk through.
Alison C. Property owner · Mt Eden

Illustrative feedback only. Not verified results, and not a guarantee of any sale price or settlement outcome.

Questions

Everything you need to know.

Can't find your answer? Email us at sales@curb.nz.

Curb introduces you to a financing partner. Your financing partner alone decides whether to approve any facility. Curb is not the lender and does not approve facilities. Renovation coordination may be offered separately, where agreed.
Finance only: we introduce you to a financing partner. You run the renovation. Finance + manage: you tell us what you want — we manage the project and complete the renovation for you. Eligible is an indication only. A financing partner alone decides. Curb does not lend or approve credit.
If approved: no upfront renovation or progress payments from you. $0 upfront is not free — fees and interest may still apply. Typically repaid from sale proceeds at settlement. Indication only — a financing partner must approve.
Where agreed, a caveat may secure the facility against the existing property — only enforced if necessary. If a sale takes longer, terms can be discussed. Not a promise the property will sell.
Approved renovation costs. Typically cosmetic and functional work: paint, kitchens, bathrooms, flooring, landscaping, exterior, and minor structural where equity supports it. Not major builds. A financing partner decides what is approved.
Typically $1,000–$200,000, depending on equity. Combined LVR (existing mortgage + facility ÷ property value) up to 85%. At or below 70% LVR, interest and fees may sit in the facility — or you can choose interest-only. Over 70% LVR: at least interest-only repayments. Indication only — a financing partner alone decides any amount.
No. An existing first mortgage is fine if combined LVR stays at or below 85%. Over 70% LVR: at least interest-only repayments.
If approved, up to 12 months to cover the renovation and sale period.
A financing partner may help cover a deposit on the next home while the existing property is renovated and sold. Not the full purchase of a new property.
Not yet. Currently Auckland-only.

Ready to see if Curb could work for your property?

Check the numbers, or email us.

Check eligibility → Email us
This calculator check doesn't involve a credit check No personal details required Illustrative check only

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