Tiny House Finance

Yes, financing for tiny houses in New Zealand is available for approved applications! Our trusted advisors broker flexible financing options tailored specifically for tiny homes, whether you’re looking to buy, build, or renovate.

Traditional mortgages can be challenging for tiny homes, as most banks have specific requirements for permanent foundations and minimum property sizes. However, our financial advisors specialise in tiny home loans outside of the retail bank channels and can help find a solution suited to your tiny home project.

Currently, KiwiSaver funds are generally restricted to purchasing properties with permanent foundations, which can exclude some tiny homes. However, our advisors can guide you on possible pathways for using your KiwiSaver funds if you meet specific eligibility criteria.

Yes, you can borrow money for a tiny home if your application is approved by a lender. Our advisors can broker a variety of financing options that could allow you to borrow funds based on your needs, whether you’re buying, building, or renovating.

Traditional banks may not offer mortgages for tiny homes without a fixed foundation. However, we work with financial advisors who understand the unique requirements of tiny homes and can help approved applications secure financing through specialised lenders.

Our financial advisors can broker a range of options, including loans for buying land, purchasing a new or second-hand tiny home, DIY builds, and renovations. They can broker flexible terms to suit your unique needs.

Deposit requirements may vary depending on your financing plan and financial situation. Our advisors will work with you to find the best solution based on your needs and budget.

Yes, financing for land purchases is available for approved applications. Our advisors can help you find a financing option that covers both land and the tiny home itself if needed.

The approval timeline depends on your specific application. Typically, the process includes an initial enquiry, information collection, analysis, application compilation and submission, recommendation, implementation and reporting, and a pre-approval phase before finalising. Our advisors will keep you updated every step of the way.

Credit score requirements vary by lender and loan type. Our advisors can assess your financial situation and recommend financing options that are a good fit for you, regardless of your credit history.

Absolutely! If you’re building your tiny house yourself, our brokers can help find options that cater specifically to DIY builds, helping you cover the costs of materials and other essentials.

Yes, if you’re looking to upgrade or renovate your tiny home, our advisors can broker solutions tailored to your renovation needs for approved applications.

In many cases, refinancing is possible, especially if you want to adjust your loan terms. Our advisors can guide you through refinancing options suited to your situation.

Yes, tiny house loans are often more flexible and tailored to the unique needs of tiny home buyers. Traditional lenders may not offer these options, but our specialist advisors are familiar with tiny house financing to make the process easier for you.