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!
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 13.95% 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.
$30 per week
Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week
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 13.95% 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 13.95% to 26.98% with a traditional loan anything up to 36 months in duration.
Frequently Asked Questions
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.
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!
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!
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.
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.
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.
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.
Landscape Finance Questions? Ask Our lending team
As a rule of thumb, a well thought out and well executed landscaping project can add up to 20% to the value of your home. Landscaping finance can also be useful for businesses looking to make their exterior more welcoming to customers. Before appointing a landscaper, it is crucial that you check their reputation and customer feedback. If possible, it may be sensible to visit local customer’s to check their level of satisfaction. Whether you are spending a few hundred dollars or tens of thousands of dollars on landscaping, it is important that you ensure you are getting value for money.FAQ