Landscaping Finance
We are specialists in home finance, which includes landscaping loans that allow you to give that finishing touch to your garden. Whether you have just bought a new home or you are looking to sell an existing property, we can provide funds to finance landscaping costs. When you consider the outside of your home is the first thing a potential buyer will see, a landscaping loan should pay for itself. If you have just bought the property, there is nothing better than relaxing in the garden!
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Flexible responsible lending
Why not check out our landscaping finance calculator to give you an idea of the various repayment terms and affordability. Find the structure which works best for you.
Considering your wider situation
We fully appreciate many people will have faced financial challenges at some time in their life. However, this should not necessarily be a reason to refuse finance going forward.
Landscape loan interest rates
Our standard rates vary from 9.95% to 26.98%, dependent on your circumstances. Our application procedure is transparent and we take a flexible approach to lending.
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Landscape finance calculator
Using our online New Zealand landscape finance calculator, you can compare and contrast different payment terms to see which one may suit you best. While repayments can be spread over a maximum of 36 months, and beyond in some circumstances, we will likely require collateral against any loan. These are issues which we can help with and discuss when you are ready.
Choose your term
Repayment Details
1 YEAR
Your Weekly Repayment
$22.60 PER WEEK* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
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Rates
With Crester, you can repay your loan over a term of up to 36 months, with flexible weekly or monthly repayments to suit your budget. Our interest rates range from 9.95% to 26.98% p.a., depending on factors like your credit profile, loan purpose, and selected term. For a full breakdown including early repayment options, default interest, and establishment fees, please refer to our Rates and Fees page.
Terms
Before applying with Crester, please take a moment to review our terms and conditions. When you apply, you’re agreeing to let us collect and securely store your personal details. We aim to ensure all information on our site is current and accurate. If anything seems off, get in touch in writing and we’ll work to correct it. Crester follows New Zealand’s Responsible Lending Code.
Fees
Your personal data is protected with end-to-end encryption on all Crester web forms, ensuring your details remain secure throughout the loan process. We manage all client information with strict confidentiality, using robust security measures to guard against unauthorised access. Crester also complies fully with New Zealand’s privacy laws. For more information, see our Privacy Policy.
Funds to finance landscaping
When it comes to finance for landscaping, we tend to have two very different types of client. There are those who have just acquired a new property and are looking to enhance their garden area. Then we have clients who are looking to sell their property and fully appreciate the value of curb appeal and professional landscaping. It really does make a difference!
If you are considering using a loan to finance landscaping, it is important to approach a number of different firms and request quotes. This allows you to compare and contrast not necessarily the cheapest but the best landscape option. Value for money is just as important as the cost of landscaping although this must be considered within your financial resources.
What is the maximum landscaping finance available?
Here at Crester Credit we can provide personal loans up to NZ$100,000 but when most people finance landscaping, it’s rare you’ll need this amount of funding. The majority of applications may run into the thousands of New Zealand dollars and sometimes into the tens of thousands. Whatever your requirements, we take a flexible approach to funding for landscaping, appreciating the value of your property against the finance required.
All Crester Credit loan applications interest rates are fixed on approval, which traditionally means a rate anywhere between 9.95% and 26.98%. Whether looking at a landscaping loan, or any other type of finance, it is crucial that you are able to plan ahead with a fixed rate. While we can provide finance up to 3 years and beyond, due to the relatively low value of landscaping finance applications, it is often more sensible to spread the repayments over a shorter timescale. We will consider any type of finance application, collateral and income – nothing is off the table with our flexible approach
Finding a reputable landscaping company
Thankfully, the Internet is now awash with feedback and comments on individual landscaping companies. Taking individual comments in isolation can be dangerous therefore it is important to take a broader approach. This will give you an idea of the satisfaction levels from previous customers and ensure that your landscaping finance is put to good use. For many people, word-of-mouth can be very powerful although we still recommend doing your own research.
As many New Zealand landscaping companies will stick to particular areas, it may be an idea to ask to visit a previous customer’s property with their consent. This will help give you an idea of the quality of service and the value for money you can expect. By securing a loan for landscaping before approaching a landscaping company, you can negotiate improved terms as a cash customer.
Interest rates on a landscaping loan
We are extremely proud to call ourselves a responsible lender while being flexible in our approach to landscaping finance. Nobody benefits if customs are stretched to their financial limit and in danger of falling behind on payments. Our interest rates vary from 9.95% to 26.98% with a traditional loan anything up to 36 months in duration.
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Frequently Asked Questions
Do I really need my property landscaped?
While there is no doubt that a competent professional landscaper can make a huge difference to your garden, do you really need your property landscaped? The chances are you have asked yourself on numerous occasions, before applying for landscaping finance, but ask yourself one more time. It is important to ensure that the benefits outweigh the costs.
Are initial consultations free?
You tend to find that landscape gardeners who have confidence in their services will provide a free consultation. This ensures that the landscape gardener fully understands your requirements and, more importantly, they are able to assist. When using funding to finance landscaping, it is important there are no unexpected financial shocks further down the line!
Can I make changes to my initial landscaping plans?
It is fairly common for customers to make changes to their landscaping plans mid-project. The majority of landscapers will appreciate things do change and make the necessary arrangements. Depending on the complexity and degree of change, there may be additional costs incurred but these should be made clear by the landscaping company. Be careful not to overextend your budget!
Will landscaping pay for itself with a property sale?
We know that the housing market in New Zealand is extremely competitive and so-called curb appeal/first impressions do make a difference. However, if you are considering investing in landscaping prior to the sale of your property, it is important to do some research. While a relatively modest landscaping loan could certainly help with the sale process, it is crucial that you don’t over invest in landscaping.
Do landscaping costs include materials?
Traditionally, a quote for landscaping will include the cost of materials and labour. However, before you commit your landscaping loan, it is important to clarify this. Prior to giving the project the go ahead, you should request a detailed quote which will tell you whether materials are included. If they are not, this will be an added expense that you need to take into consideration.
Do I need planning permission when landscaping my property?
In the vast majority of cases, there will be no additional planning permission required when landscaping your garden. However, if you are in a conservation area or plan to erect a large structure then you may require permission from the local authorities. When interviewing potential landscape gardeners for your project, you should ask the question about planning permission.
Will landscapers need access to my home?
It is unusual for landscapers to request access to home. However, they will need an electricity supply and access to water. You often find that landscaping companies will even bring their own portaloo on site for convenience. When considering appointing a landscaper to work in your garden, it is important to know exactly what they are offering. This should be detailed in layman’s terms on their website.
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Our online application form takes only six-eight minutes to complete. Start by filling this in, and if you’d like to talk with one of our loan officers, please make a note of it in the application.