Tiny Home Loans

Home Now Finance provides specialist tiny home loans for new and used tiny homes, cabins and relocatable dwellings across New Zealand. Unlike a conventional mortgage, we structure finance around the dwelling itself, which opens the door for buyers who don’t own the land it’s going on.

Found a home already? We’ll walk you through the deposit, documentation and next steps.

A tiny home loan is specialist finance for purchasing a tiny house, cabin or relocatable dwelling, built for exactly the kind of purchase a standard bank mortgage isn’t designed for, especially where the dwelling is movable or the land belongs to someone else.

The tiny home itself forms part of the security. Land ownership stops being the only route into finance.

Your deposit depends on the purchase price, the finance product, the supplier, and your own profile. We assess affordability the same way for every purchase price, so you get a genuine answer, not a guess based on the sticker price.

We offer terms built around your application. A longer term lowers your regular repayment; a shorter term reduces the total interest you pay.

We finance eligible used tiny homes and cabins. This is particularly useful for buyers looking at pre-owned or ex-hire stock, where the price is usually lower than a new build.

We assess age, condition, identification details, seller and value as part of every application. If you’re still shopping, our sister business CabinsNow lists pre-owned and ex-hire cabins and tiny homes for sale across New Zealand.

Individuals buying for their own residential use, couples, joint applicants, first home buyers, people downsizing, people planning to live on family land, and buyers of new or used relocatable dwellings. Every application goes through the same lending and affordability assessment, so you know exactly where you stand.

Income. Enough to cover the proposed repayments alongside your normal living costs.

Existing debt. Credit cards, vehicle finance, personal loans, mortgages, and other regular commitments.

Credit history. We look at how you’ve managed credit, alongside everything else in your application.

Deposit. Reduces the amount you need to finance, and can open up better options.

The dwelling. Price, age, condition, supplier, seller, location.

The land. If you don’t own it, we’ll help confirm how you’re able to place and occupy the home there.

A tiny home is a genuinely lower-cost way into ownership than a conventional house and section. We’ll help you weigh up the land arrangement, council requirements, site services, delivery costs and insurance alongside the purchase price, so the full picture is clear from day one.