Building your dream home from scratch? Whether you’re buying land or starting construction, getting the right home loan to build a house is crucial. At SK Financial Group, our expert house loan brokers guide you through every step, helping you compare construction loans NZ-wide and make informed decisions. We work with major banks and lenders to structure flexible solutions that suit your budget, build timeline, and personal goals.
Yes, you can apply for a loan to buy land and build a house under one unified construction loan, simplifying your finances and keeping things streamlined. This allows you to purchase your section now and draw down funds for building later. Whether you're buying in a subdivision or a lifestyle block, we can help you access a loan to purchase land and build that matches your long-term goals. Our team works with top lenders to help you structure funding that's practical, cost-effective, and tailored to your unique situation.
In New Zealand, there are a few key types of construction loans you can choose from:
Our expert house loan brokers will recommend the best option based on your project size and budget.
The amount you can borrow for a home loan to build a house depends on your income, credit score, and deposit. Most lenders in New Zealand offer up to 90% of the total build cost. Our house loan brokers can help you calculate your borrowing capacity and secure a construction loan that fits your project needs. If you're planning to use a bank loan to build your own house, we ensure your loan is future-proofed for variations or unforeseen costs.
We’ll stay by your side from day one to move-in day.
At SK Financial Group, we offer confidence, clarity, and convenience. As experienced house loan brokers, we’ve helped countless Kiwis turn dirt into dreams with the right home loan to build a house. Whether you're working with a turn-key contractor or managing your build yourself, we provide end-to-end support, access to top-tier construction loans NZ, and strategic advice you can trust. With our help, you’ll secure the right loan faster and move into your new home with confidence.
Build Your Home From the Ground Up
From securing land to your final inspection, SK Financial Group simplifies the construction loan process for every Kiwi dream home.
Most banks require at least a 20% deposit for a home loan to build a house. However, options vary depending on the lender, contract type, and whether it’s a turnkey or progressive build.
Yes, many Kiwis apply for a loan to buy land and build a house under a single structured agreement. SKFG can help you combine both under a tailored construction loan solution.
Typically, you only pay interest on the amount drawn at each stage of construction. This makes construction loans NZ budget-friendly during the build period.
We help you prepare for unexpected costs by building flexibility into your bank loan to build your own house. Some lenders allow loan top-ups or contingency buffers.
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