Build Your Home
Finance your new build or construction project
Mortgage Lab helps New Zealand buyers arrange finance for new builds, construction loans, turnkey purchases, land, and progress payments.
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
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Tips and insights to help you on your journey
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What Our Clients Say
“Hats off to Nicola Winters for helping us purchase our very first home. The process itself is overwhelming and not to mention the roller coaster ride of emotions that come with it but she made it so smooth from applying for pre-approval from the bank until our settlement day. Grateful to have her as our MA! 🙌 Very approachable and understanding and never intimidating. We highly recommed her to our friends who are planning on buying a house. We would rate our experience as 10/10 🥳”
Tina
Nicola Winters“Johnny was great to deal with, friendly, professional and knows his stuff. He went above and beyond the norm (we feel) as we had a slightly tricky situation in our house buying and he was able to get us the loan despite obstacles faced! He would also keep us in the loop as to what's happening and provide advice where needed. Very happy with the service provided. :)”
Natashia
Johnny Angkiriwang“We had such a great experience working with Christiana. She helped us refix our mortgage and make the switch to another bank that best suited our evolving lending needs and made the entire process feel easy and stress‑free. Her advice was clear, practical, and incredibly helpful at every step. What stood out most was how proactive and approachable she was - always happy to answer questions and explain things in a way that made sense. We genuinely felt supported throughout the whole journey.”
F Ward
Christiana PollockReady to Get Started?
Talk to one of our friendly mortgage advisers today. Our service is usually at no direct cost to you.