Own your home in under 10 years…

…for around the same price as your rent.

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A Different Way to Own a Home in New Zealand

Home Now Finance arranges specialist finance for New Zealanders buying tiny homes, cabins and relocatable dwellings, new or used. If a standard mortgage doesn’t fit the home you’ve found, or the land it’s going on, this is exactly the part of the market we work in.

Buying a first home. Downsizing for retirement. Putting a place on the back of mum and dad’s section. Making better use of land you already own. Whatever’s brought you here, we help you finance the dwelling itself, separate from who owns the ground it sits on.

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Find out what it would cost

Tiny Home Finance Calculator

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This calculation is based on a 10-year term. Shorter terms may be available.

*This is an estimate, total payments the finance contract are therefore not ascertainable. Weekly example calculation based on 120 month terms, with an example annual fixed interest rate of 16.95%. Actual interest rate may be higher or lower. Includes establishment fee of $350 and $5 monthly admin fee. Full term amount payable of $0. This is an estimate only, not an offer of finance. Terms and lending criteria apply. Price includes GST.

Tiny Home Loans for Homes That
Don’t Fit a Standard Mortgage

Banks are set up to lend against land and buildings as one package. Tiny homes and relocatable dwellings often work differently: the home can move, the land can belong to someone else, and the transaction looks nothing like a conventional house-and-section purchase. That’s exactly the gap Home Now Finance was built for.

We structure finance around the dwelling itself. In practice, that means someone with access to land they don’t own outright still has a genuine route to owning the thing sitting on it.

New and Used Homes

We finance new and used tiny homes, cabins and relocatable dwellings. See our Tiny Home Loans page for the full detail on how that works.

Lower Deposit Options

A five-figure deposit is the single biggest wall between most people and a conventional house purchase. Our lower deposit options bring that wall down for eligible borrowers.

An Application That Doesn’t Require a Finance Degree

Tell us what home you want, where it’s going, and what your finances look like. We’ll get you a clear answer, fast.

Not sure which finance
option is right for you?

Find out in 60 seconds

More Than One Reason to
Choose a Tiny Home

Home ownership doesn’t mean the same thing to everyone reading this. For some it’s the first rung on the ladder. For others it’s a smaller, easier place for retirement, somewhere near whānau, or a second dwelling on land that’s just sitting there.

First Home Buyers

A tiny home is a genuinely lower price point into ownership, without the cost of a full house and section.

Retirees and Downsizers

Less space to maintain, more independence, and often the option to live closer to family.

Papakāinga and Family Land

Have permission to place a home on family land? We finance the dwelling itself, so you can own your own home while staying connected to that whenua.

Investors and Additional Dwellings

Considering another dwelling on land you already own, for family, rental or accommodation? We can help you finance it.

Why Home Now Finance

Tiny homes are the whole business here, not a side line. Relocatable homes, cabins and tiny houses get a lending approach built specifically for them, because that’s the only kind of lending we do.

New Zealand based

A NZ business, built around NZ housing.

Real people, real conversations

Alternative housing raises questions a standard bank call centre isn’t set up for. We are.

Responsible lending, done properly.

We look at your whole picture so the finance you get actually works for your life, not just your application.

Diana & Brandin

“HomeNow Finance made the process very easy. We’re so happy that we have been able to purchase our first home. They worked with us to determine what our finance options were and we were delighted to be approved for finance”

Frequently Asked Questions

Have questions about financing a tiny home? We’ve answered some of the most common questions to help you understand your options, how the process works, and what to expect along the way.

Read all our FAQs

Yes, we specialise in exactly this. Eligibility depends on the home, your deposit, the land arrangement, and your financial position, all of which we’ll walk you through.

No, not always. The tiny home itself can act as security, which opens up finance for buyers placing a home on land owned by someone else.

Yes, we finance eligible used and pre-owned tiny homes and cabins. Conditions apply – please contact us to discuss.

It depends on the home and your circumstances. Tell us what you’re buying and we’ll confirm the deposit that applies.

Yes, joint applications are common, particularly for partners and family members buying together.

Sometimes. KiwiSaver first-home withdrawals have specific eligibility rules, so check with your provider or a qualified adviser to confirm your situation.

A clear pathway home

There are a couple of ways to finance a tiny home, and it’s important that we get you set up with the option that best suits your needs.

Find out which option is right for you

Ready to Find Your
Way Home?

Found a tiny home, cabin or relocatable dwelling already? Or just want to know what we can finance for you? Start here.

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