Refresh Renovations and Harmoney have teamed up!

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Refresh Renovations and Harmoney have teamed up!

Providing you with hassle-free renovations specialist and personal loans option.

Getting some work done around the house? A home improvements loan through Harmoney and help from Refresh Renovations could save you time and money.

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Harmoney and Refresh

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Faster, smoother renovation projects

Get your renovations done right.

Refresh Renovations is a home improvements specialist, here to ensure your renovation is completed on time, on budget and to the highest standard.

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Having completed thousands of renovations all around the country, Refresh building teams are some of the most experienced renovation builders in the industry, delivering projects with a level of professionalism that is second to none. 

The Refresh process provides an experience that is faster, more efficient and better value for money, while keeping you well informed throughout your project.

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Hassle-free renovation loans funded by Kiwis

Don't put up with your bank micro-managing your finances. 

A Home Improvements loan through Harmoney could give you ALL the money you need straight away, without the need for quotes from tradies first.

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Whether you're upgrading the kitchen, adding another bedroom or maybe extending the garage, a home improvement loan through Harmoney could save you time and money.

Apply for up to $70K, and you could be breaking out the tools in just a few days.

100% online
No quotes or valuations required
Up to $50K unsecured
99% funded in 24 hrs

Why get your home improvements through Harmoney?

Online

No quotes or valuations

Unlike other big financial institutions, we don't expect builders' quotes or regular progress valuation.

Percentage

Rates from 6.99% p.a.* to 29.99% p.a.*

You're unique, so is your interest rate. It's customised to your circumstances, not everyone else's.

Unsecured

Up to $50K, unsecured.

No ball and chain here, just easy repayments you can afford. No hidden or early repayment fees either.

Why choose Refresh Renovations?

10 Year Master Builders Guarantee

Refresh is the world's leading home renovation specialist, with global experience and local expertise. The Refresh building teams are some of the most experienced home improvement builders in the industry.

Hassle-free renovation

Refresh Renovations is a home improvements specialist, here to ensure your renovation is completed on time, on budget and to the highest standard.

Keep track of your projects wherever you are

When you choose Refresh Renovations for your home improvement project, you can rest assured that our experts have every stage of the process under control. Refresh allows you to login to check on your project status

One point of contact

Even the simplest home renovation involves managing information, costs, people and timetables. With Refresh, this project management is part-and-parcel of our service. 

Quick Estimate

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*Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 29.99% p.a. and are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and submit your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Establishment fee of $200 for loans below $5,000 and $450 for loans $5,000 and above. Some charges may apply — see Rates and Fees for details.

Get Started

Getting a home improvement loan funded by Lenders on Harmoney’s peer-to-peer lending marketplace is easy. If you’re looking to do some home renovations but don’t want to borrow against your home equity, a Harmoney home improvement loan could be an ideal alternative. With no equity reversal, our unsecured loans mean you won’t have to put your house on the line.

Home Improvement Loan Calculator

Try out our loan calculator to start your obligation-free, online loan application, and to get an indication of how much your repayments could be. With personalised, risk-based interest rates ranging from 6.99% p.a.* to 29.99% p.a.*, and no early repayment penalties, there’s never been a better time to get started on that home improvement project.

Tackle your DIY with up to $50K

Whether upgrading the kitchen, adding another bedroom or maybe extending the garage, a home improvement loan through Harmoney could save you time and money. Apply for up to $50K, and you could be breaking out the tools in just a few days – or get someone else to.

Peer-to-peer Lending

Peer-to-peer lending is the revolutionary new way to borrow money. Harmoney has introduced this global phenomenon to New Zealand by connecting Borrowers and Lenders through our online marketplace, helping Kiwis enjoy a better experience, using our automated, 100% online process. Find out more about P2P lending.

What is Harmoney?

Harmoney is NZ’s first licensed peer-to-peer lending marketplace that connects people who want to borrow money with those who wish to lend money. Our marketplace provides a simple way to get a personal loan, online.

Personal Loans with Harmoney - New Zealand from Harmoney on YouTube.

Still have questions?

Further information on unsecured personal loans can be found on the Community Law website.