Ownership Options

Whether you’re ready to buy outright, want to explore finance options, or you’re looking to rent, long or short-term, we’re here to help you find the best fit.

  • Buy Outright

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  • Finance

    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.

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  • Rent

    Need extra space now but not ready to buy? Renting a tiny home could be a good option. No bond is required for the home itself — all you need is your first week’s rent and the cost of transport.

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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.