Spec homes

Building finance done right

Lending for financial freedom

The right finance will get your build done without the cashflow pressure.

For first time builders, the details can be overwhelming. What deposit will you need? How and when do you make repayments? Can you capitalise your interest so you’re not making payments on it during the build? Will you have the cash to make it through purchasing materials? And what will your profit be at the end?

Our experts walk with you through the whole process, with detailed cashflow planning from start to finish. Know your project, before you begin.

And for experienced builders, we do all that and make it simple.

Let's talk about your building project

See how we make building spec homes profitable

We have access to all banks and non-bank lenders

We know the structure of your loan can be the difference between success and a non-starter. Deposit size, interest rate and capitalisation, repayment schedule and timing is a fine balancing act. At Construction Loans by NZ Mortgages, we work with all the major non-bank lenders. We’re experts in knowing the market and getting the right blend for your project loan.

Sorting finance for your spec home? Get us on the line

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