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.