Finance Enquiry

Prefer to pay over time? We work with trusted lenders who understand tiny homes. We’ll connect you with a finance partner to guide you through the simple application process.

What Makes a Strong Finance Application?

  • Deposit: A deposit (often shown via a bank statement) helps secure your loan.
  • Stable income & good credit: Lenders want to see a reliable source of income and a solid credit history. Most lenders require full-time employment.
  • Affordability: You’ll need to show that repayments won’t stretch your budget too thin.
  • No property ownership required: You don’t need to own land — although having a lien or caveat may help. If you're placing your tiny home on land you don’t own, permission is essential.
  • NZ residency: Applicants must be residents of New Zealand.
  • No KiwiSaver or HomeStart Grants: These can't typically be used to finance portable homes.
  • No welfare or benefit income: Income from benefits isn’t eligible for loan applications.


Every lender is a little different, and our team is happy to guide you through what’s needed.