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For builders and suppliers

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Helping your customers get access to lending so you can close sales and build without delays.

Think of us as your outsourced lending department for tiny home and cabin builders, managing your clients’ entire finance process from application to settlement, so your builds stay funded and your pipeline stays moving.

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TINY HOMES LENDING IS A DIFFERENT KIND OF FINANCE

Why Tiny Homes Finance NZ?

Tiny home finance is still a relatively new space and navigating it shouldn't slow you down.

Loan applications can be tricky and time consuming. We work closely with builders and their customers to secure loan approvals, so projects keep moving without delays.

We also offer funding solutions beyond traditional bank lending, giving you more flexibility to manage cash flow and support your business as it grows. And when your buyers need guidance on structuring the finance for their purchase, we are on hand to help so you can focus on what you do best, building great tiny homes.

We handle the finance. You handle the build.

Every client is different, which means every loan application is different.

Whether you're building a tiny home for a first-home buyer, a retiree, an investor or someone creating extra space for family, we'll help find the right lender and the right loan to suit. That means fewer roadblocks, less waiting around and more projects getting underway.

First Home Buyers

Tiny home lending isn't like a standard mortgage, there are specialist lenders, different rates, different rules. Chasing that down isn't your job and it shouldn't block your pipeline or get in the way of sales.

We will cut through the complexity, structure the right finance for your first home buyer and keep things moving so you can focus on building.

Downsizers & Retirees

Downsizers and retirees usually come with a few more questions and fair enough.

They want to know about costs, land requirements, what resale really looks like, all before they commit to anything. So we talk with them and lay it all out so there is no fine print surprises later on.

All Buyers

Whether your client is buying for themselves, helping out family or just trying to work out if it's even possible, we can help.

We know the lenders, the land quirks and the questions they probably haven't thought to ask yet. No guesswork.

Investors & Airbnb Buyers

Investment lending for tiny homes is it's own game. The numbers work differently, the margins can be tighter than you think and getting it wrong can be expensive.

We will help get the finance and the strategy right from the start.

We help your clients get approved, faster.

Your clients get expert guidance from day one.

We're here to make the finance side easy. We work directly with you or your client to find the right lending solution, so you are not stuck answering finance questions when you would rather be getting on with the build.

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Tiny Home Loan

For those buying a tiny home outright.

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Consumer Finance Lease

For those needing to rent with the option to purchase in the future.

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Bridging Loan

For those that need the tiny home built and delivered with debt refinanced to a retail bank in the future.

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Quick pre-approval

For those needing an indication from a lender of how much they are likely to be able to borrow.

Helping your clients clear the lending hurdle.

Move forward with confidence.

We provide specialised lending solutions for Tiny Homes, making it easy for your clients to secure finance so you can close sales faster and build without delays.

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Sell the Dream

You help your client choose the unit they love.

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Make the Connection

Send their contact details to us.

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Quick Contact & Action

We contact the client immediately, put the application together and submit to the lenders.

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We Manage the Application

We manage the process until we get a result.

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Keep in Touch

We keep you and the client updated as to the progress of the application as it happens.

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Result

Once the result is in, we present that to the client.

Frequently Asked Questions

Does the client need to own the land that the tiny home unit/cabin is going to be placed on?

No. We can help people get lending if they are living on leased land, family land, Māori land – any situation where the clients does not own the land.

How quickly can you turn around a finance approval for my client?

Clients will be contacted ASAP. Once the lenders have all of the information to make a decision, we expect answers within 1-2 days.

Do you deal directly with my client, or do I stay involved throughout?

We deal directly with the client – and can update you throughout the process.

Can you help clients who've been rejected by their bank already?

Yes – almost always.

What information do my clients need to provide to get started?

Current ID, income and expenses.

Can you finance clients who don’t own land yet?

Yes.

Do I need a minimum trading history or turnover to qualify?

No.

What kind of tiny home units/cabins are eligible for lending?

Anything with a Builders Certificate or the like and must come up to lenders standard.

How does Tiny Home Finance NZ get paid?

If we need to charge a fee to the client – this amount is $1,500 incl GST. This is a brokerage fee paid to Tiny Homes Finance NZ. This is paid by the end client who is borrowing the money. Individual lenders may have their own establishment or other fees. These generally range from $350 - $500. These are charged by the lender to the end client and are usually added to the overall loan amount. If we receive a commission from the lender, this is up to $1,500. This is not a charge to the end client.