Build Your Home

Finance your new build or construction project

Build Your Home

Building a new home is an exciting journey, but financing a construction project is different from buying an existing property. There are progress payments, building contracts, and specific lending requirements to navigate.

Our advisers have extensive experience with construction loans. Whether you're building from scratch, doing a major renovation, or buying a turnkey new build, we can help you find the right finance solution.

We'll guide you through the process, help you understand the different loan structures, and work with you and your builder to ensure payments are made smoothly throughout construction.

How We Can Help

Explain the difference between progress payment loans and turnkey finance

Help you understand what lenders require for construction lending

Review your building contract to ensure it meets lender requirements

Set up progress payment schedules aligned with your build stages

Access the First Home Loan scheme for new builds with lower deposit requirements

Arrange finance for land purchases while you plan your build

Navigate the additional requirements for owner-builder projects

Frequently Asked Questions

With a progress payment loan, funds are drawn down in stages as construction progresses. Typically there are 5-7 progress payments aligned with building milestones (foundation, framing, roof, etc.). You only pay interest on the amount drawn.
First home buyers building new may qualify for as little as 5% deposit through the First Home Loan scheme. Standard builds typically require 20% of the land + build cost. We can help you access your KiwiSaver to boost your deposit.
Yes, we can often arrange pre-approval based on estimated costs while you finalise your plans. Once your building contract is signed and plans are complete, we'll update the application for final approval.
Cost overruns are common in construction. We recommend building in a contingency (usually 5-10%) and discussing this with your lender upfront. If costs escalate, we can help you explore options to cover the shortfall.
Most lenders prefer fixed-price contracts as they provide cost certainty. Some will consider cost-plus contracts with appropriate contingencies. We can advise on what different lenders require.

What Our Clients Say

Michael was an absolute legend in helping me purchase my home! He went above and beyond, and was always thinking outside the square to make it work. He took a lot of stress out of the process. Thanks again Mike!

Brigitte Blackman

Michael ShrubsallMichael Shrubsall

We can’t speak highly enough of Cindy and the incredible service she provided! From day one, she took all the stress out of securing our home loan. Cindy went above and beyond, coordinating directly with the banks and ensuring that all the paperwork was handled seamlessly. Her attention to every detail and commitment to getting things done quickly was truly impressive. What really stood out to us was Cindy’s accessibility throughout the entire process. She was always available to answer our questions, offer expert advice, and guide us step-by-step. Thanks to her professionalism and expertise, the whole experience was smooth and stress-free. We are incredibly grateful for her support and would recommend her without hesitation to anyone seeking a top-tier mortgage broker. Thank you so much, Cindy!

Venus Baltazar

Cindy HuangCindy Huang

Dustin was great to work with! We originally reached out to Dustin to see if it was possible to buy our first home, 6 months later we moved in! We have also started passing on Dustin's information to friends and family for their financial needs because of our great experience. This was our first interaction with a mortgage advisor (and buying a house) and Dustin has set the bar high.

Callum Yule

Dustin LindaleDustin Lindale

Ready to Get Started?

Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.