Protect Your Existing Mortgage
There’s no need to restructure your current home loan or break your fixed rate. Our unsecured loans allow you to add value to your property while keeping your primary mortgage exactly where it is.
The Multigenerational Kiwi Solution
Kiwi families are increasingly using tiny homes and portable cabins to keep generations together while maintaining independence. We provide fast, flexible funding to get your secondary dwelling delivered and connected.
Versatile Spaces for Every Section
From "Backyard Pods" and portacom-style cabins to premium architecturally designed modular offices, our finance covers a wide range of structures. If it’s the perfect extra room for your section, we have the perfect way to fund it.
Skip the Equity Stress
Don’t wait years to build up enough equity for a traditional top-up or construction loan. Because our loans are unsecured, we focus on your current income and creditworthiness, meaning you don’t need to use your land as security.
Competitive rates
Redrawing from your mortgage may incur additional fees or higher interest rates, whereas Harmoney offers a competitive fixed interest rate for the life of the loan.
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