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Buying a home

Building A New Home

Building a new home or investment property can have big financial advantages. We help you make the most of them. We help you maximise the benefits while keeping the big decisions simpler and more realistic.

building a new home in new zealand
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Building new is exciting, and it comes with some big decisions!

Building a new home may be thrilling as it enables you to create a dream home for you and your family. Our experienced team of mortgage advisers work closely with you so that you make the right decisions when it matters the most.

There are several ways to structure your build. Each one has its positives and negatives, so give us a call early in the process. We’ll help you make a solid plan that matches your goals for the future.

building a new home in new zealand

Helping you make decisions with confidence.

Building a new home in NZ is exhilarating, filled with anticipation and significant choices. Securing a suitable building new home loan is crucial. It ensures financial stability from the inception of your dream home until the end of the construction process.

With our support, you can confidently navigate the complexities of building a new home in NZ, turning your vision into reality.

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The latest interest rates right at your fingertips.

Check the latest interest rates anytime with our convenient live interest rate calculator. Whether you're planning to build a new home or refinancing, our interest rate calculator puts the latest rates right at your fingertips.

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Our award winning team

Expert mortgage advisers
We’ll hunt the market to find you the best deal, and provide all the advice you need to enjoy and understand the process.
first time home buyer
Our highly experienced mortgage brokers are dedicated to helping Kiwis buy their dream home or property
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We'd love to help you

If it's time to start your home building journey, we'd love to walk alongside you.
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Frequently asked questions

What types of mortgages are available for building a new home?

NZ Mortgages offers various mortgage options, including building a home loans, progress payment mortgages, and standard home loans that can be tailored to suit your specific needs.

How are payments made during the construction process with a construction loan?

Payments are typically made in stages known as progress payments, which are made directly to the builder at key construction milestones, as outlined in the building contract.

What happens if the construction project goes over budget?

NZ Mortgages can work with you to assess your options, which may include accessing additional funds, renegotiating with the builder, or exploring alternative financing solutions.

Can I use my KiwiSaver funds to assist with building a new home?

Yes, eligible individuals may be able to withdraw funds from their KiwiSaver account to contribute towards the purchase of land or building a new home under certain conditions.

How much does it cost to build a house?

The cost to build a house can vary significantly depending on factors such as size, design, materials, and location. Our team can provide a detailed cost estimate tailored to your requirements.

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