Renovation Finance Made Easy

Upgrade your home now—pay later with MTF Napier and JM Services.

Planning a home renovation but don’t want to dip into your savings or extend your mortgage? JM Services has partnered with MTF Napier to offer flexible renovation finance options—so you can get your project underway sooner, with manageable repayments that suit your lifestyle.

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Renovate now, without the 30-year debt.

Instead of adding renovation costs to your mortgage, spread them over a short-term loan with flexible, affordable repayments. It’s a smarter way to upgrade your home—faster approvals, lower total interest, and no need to refinance.

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Benefits of Financing Through JM Services & MTF

✅ Flexible loan terms
✅ Same-day approval in most cases
✅ Easy online application
✅ No early repayment penalties
✅ Competitive rates
✅ Trusted local builders and a respected NZ lender

How It Works.

Apply with MTF Napier via our dedicated link (same-day approval in many cases)

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Get a free quote from JM Services for your renovation project

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Start your renovation with peace of mind knowing the funding is sorted

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Repay over a flexible term with clear rates and no hidden fees

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Ready to Renovate?

Skip the savings wait and avoid long-term debt. With JM Services and MTF Finance, you can upgrade now, pay later, and deal with one trusted team from quote to completion.

Click below to apply with MTF Napier and see how much you could borrow today.