Request a Free Brochure Request Now



For many kiwis, building a new home means approaching a bank for finance to fund the project. There’s nothing wrong with that, providing you meet the Banks lending criteria and are happy with the loan structure. However, financing a new home is not the same as existing real estate, there are a lot more factors to consider and it may well be worth considering a specialist residential construction lending company. Financing through a company who specialises in residential building can offer many benefits including:

  • Having a financier that understands home building means a smoother, more enjoyable process.
  • A specialist lender can guide you through using Kiwi Saver for part, or all, of your deposit.
  • A specialist lender may be able to offer options that work better for you. Depending on the situation, home building is exempt from the Reserve Bank low deposit lending restrictions — which means you could purchase a turn-key house and land package from as little as 5% deposit with no mortgage repayments until completion. In this way you are not carrying a mortgage or rent on your current home – plus the cost of building. It may also mean you get into a new home sooner.

    Immigrating to New Zealand? Build a new home and rent it back until you get your residency visa!

Find out more about funding a Navigation Home

Find out more about funding a Navigation Home

A specialist lender will ensure you have access to enough money to cover:

  • The estimated costs within the Building Contract.
  • Any owner care items (the things you intend to do yourself such as landscaping).
  • An interest reserve to help cover the cost of finance (if required).
  • Contingency reserve in-case you change your mind on something along the way.
  • An accommodation allowance (if required) — you may still need to pay your existing mortgage or rent whilst your new home is being built.

We have a strong relationship with a specialist home building finance company – NewBuild. NewBuild are fully independent from Navigation Homes and we trust they will give you excellent advice and tailor finance to best suit your needs. If you would like more information about funding a new home through NewBuild please click the link below.

* 5% deposit is indicative only subject to meeting lenders criteria. Lenders terms, rates and condition’s apply.

Find out more about funding a Navigation Home with Rent to Own

Rent to Own:

Immigrating to New Zealand? Build a new home and rent it back until you get your residency visa!


Immigrating to NZ but want to buy a new home straight away? This finance opportunity is for you! Build new with us, rent the home until you have your residency visa and we will help you to secure your home loan to own the property. You keep the capital gains (increase in value of home) from the time you sign the build contract to the time you take over the home loan. All  enquiries are assessed on a case by case basis, with the following minimum requirements

  • Signed NZ employment contract
  • 30% Deposit (flexible depending on household income)
  • Intend to live in NZ and gain permanent residency

Master Build 10-Year Guarantee. High quality design and specifications with our Compass series to our Nautical series our striking Designer series and our stand-out Villa Series. And of course, we have no problem tailoring any of our plans to suit your own unique requirements.


We have House and Land Packages available throughout New Zealand. We will help you to build in the best location that suits you and your family, ensuring you are close to shops, supermarkets, child care, school zones, your new office or work location. You can’t gain a home loan in New Zealand until you have your Residency Visa. Your new home will increase in value while you are gaining your working visa. As house prices increase you will need a larger home deposit in the future to buy. It can be difficult to find a rental home, and may have to move from rental house to rental house.


There’s something for everyone at Navigation Homes. We offer a quality product at a competitive price without compromising on excellence. We have Franchises across the country who can help get your future home from a concept to a reality! We would love the opportunity to work alongside you, to build your dream home.

We Build Homes You’ll Love to Live In