Dreaming of your own home but finding traditional property prices out of reach? Building or buying a tiny home is an increasingly popular way for New Zealanders to create affordable, sustainable housing, without the burden of a large mortgage.
Your Path to Affordable Home Ownership
A tiny house offers flexibility, freedom, and the satisfaction of owning something truly yours, whether it’s a compact build on wheels, a self-contained cabin, or an off-grid home on family land.
At Mr Finance, we make tiny home finance in NZ simple. As a trusted finance broker based in Christchurch, we connect you with a range of lenders offering tiny home loans for new builds, relocatable homes, or pre-built designs.
We take the time to understand your goals, compare options, and find a finance solution that fits your lifestyle and budget.
With clear advice and competitive rates, we help you move from plans to reality – quickly and with confidence.
If you’re ready to build your tiny house in New Zealand, talk to Mr Finance today.
We’ll help you explore finance options that make home ownership achievable, so you can start living life on your terms, in a home that reflects who you are.
How we can help
We’ll find you the right loan at the best interest rate with repayments to match your income.
1
Save you time
We streamline the process by handling the paperwork and negotiations on your behalf. We can quickly present you with offers from different lenders, allowing you to compare rates and terms without the hassle of approaching each lender individually.
2
Give you expert guidance
We understand the intricacies of tiny home financing, interest rates, and loan terms. You will receive personalised advice based on your individual financial situation. Plus, we can advise you on additional features such as loan protection insurance.
3
We negotiate on your behalf
We are well-versed in negotiating finance deals and can advocate for better terms on your behalf. We understand the market, interest rates, and loan terms and can help you secure a competitive interest rate and favourable loan conditions.
4
Protect your credit score
When you apply for a loan, lenders typically check your credit score. Multiple credit checks can negatively impact your credit score. We confirm your credit once before sending your application to lenders. This minimises the impact on your credit score.
What you need to apply
To apply for a loan you must:
Be at least 18 years old
Have a valid passport or New Zealand driver’s licence
Be a New Zealand citizen, or have a valid work or resident visa
Provide these items:
Valid passport or New Zealand driver’s licence
Proof of your address
Bank statements showing the last 90 days
Still have questions?
Check out these helpful FAQs or get in touch with our team. We are here to help.
FAQs for tiny home loans
Check out these helpful FAQs or get in touch with the team.
How can I apply for a tiny home loan?
You can apply for a tiny home loan through our online application . For online applications, it usually takes about five minutes to complete the form.
How much can I borrow for a tiny home loan?
You can borrow between $2,000 and $250,000. You can use our quick loan calculator to get an estimate of your repayments to ensure they fit your budget.
How long does it take to get a decision on my tiny home finance application?
We aim to provide a decision within a day, sometimes sooner. However, responsible lending checks are necessary, including assessing the suitability and affordability of the loan.
What information do I need to supply when applying for tiny home finance?
After completing the application with your personal and financial details, you’ll need to provide evidence of your identity, address, income, and expenses. This includes items like a copy of your driver’s license, proof of income, and bank statements.
Can I pay off my loan early without penalty?
Most lenders allow prepayment without penalties. However, it’s essential to check the terms of your specific loan agreement. We will go over these details with you.
Why do lenders need to see my bank statements?
Lenders need to verify your income and expenses to assess whether you can afford the loan. The government’s regulations require collecting extra information to protect consumers against unaffordable debt.
Do I need a deposit for a tiny home loan?
Not always. Some lenders can consider financing up to 100%, but all loans are subject to lending criteria and responsible lending inquiries.
What security do I need to provide for the loan?
Generally, the Tiny Home being purchased can not be used as security, however a vehicle or some other asset could be used as security for the loan. The lender may also ask for a guarantor.
