Auckland pre-sale renovation finance

Renovate now. Pay at settlement.

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

Check if I qualify → How it works
Happy Auckland homeowners using Curb
Quick check

Could Curb work for you?

Move the sliders for an instant indication. No credit check. No personal details required.

Property value $1,000,000
Existing mortgage $540,000
Renovation scope $60,000
Combined LVR Eligible
60%
0%70% cap100%
Estimated extra at settlement +$90k

Illustrative only · won't affect your credit score

$0
Upfront cost
70%
Max combined LVR
$5K–$250K
Facility range
48hr
Approval turnaround
How it works

Three simple steps.

Free property assessment to settlement. We work to your selling timeline.

01

Free property assessment

We assess your property, scope the renovation, and confirm your equity position. No obligation.

02

Approval inside 48 hours

We arrange a secured facility tied to your equity. A caveat is registered before any work begins.

03

We manage. You sell.

Curb coordinates every trade. You list a renovated home. The facility is repaid at settlement.

Check if I qualify →
Reviews

Trusted by Auckland homeowners.

Real feedback from people who've worked with Curb.

Curb walked me through what they'd pay for. Trades showed up Monday. Listed four weeks later and settled for materially more.
Sarah T. Homeowner · Remuera
Changed how I pitch tired listings to vendors. Conversion is up. Vendors get a better number, I get a cleaner sale.
James W. Real Estate Agent · Auckland Central
Selling meant a heavy discount or a scary loan. Curb was the third option. Settlement day, everything balanced.
Alison C. Homeowner · Mt Eden
Questions

Everything you need to know.

Can't find your answer? Email us at [email protected].

Yes. There's no deposit, no progress payments, and no spending while your home is on the market. The facility is drawn down as work progresses and repaid in full at settlement from your sale proceeds.
We assess properties that have a clear path to sale based on agent appraisal and our own assessment. The facility is secured by a caveat, and we can extend the term if a sale takes longer than expected. The renovation also typically broadens your buyer pool, making sale more likely than with a tired home.
Pre-sale cosmetic and functional renovation: paint, kitchens, bathrooms, flooring, landscaping, exterior work, and minor structural changes where the equity supports it. We don't fund major structural work (extensions, second storeys) or non-renovation expenses.
Anywhere from $5,000 to $250,000, depending on your equity. Total combined LVR (existing mortgage + Curb facility ÷ property value) must stay at or below 70%. Use the calculator above for an instant indication.
No. Most of our customers have an existing first mortgage. As long as your combined LVR after our facility stays at or below 70%, an existing mortgage is fine.
Not yet. Curb is currently Auckland-only — central, eastern, and inner-western suburbs. Wider New Zealand coverage is rolling out through 2026.

Ready to find out what your home could really sell for?

Run the numbers in 60 seconds, or have a 15-minute chat with us about your property.

Check if I qualify → Email us
No credit check No personal details required Decision in 48 hours