We make New Build finance easy by connecting you with trusted experts who understand Signature Homes' build process and can guide you every step of the way.
Construction finance
Your loan is released as your build progresses, and you only pay interest on what's been drawn down – not the full amount.
Some lenders offer great construction loan rates, helping ease cash flow while you build. Choosing the right provider can make a big difference.
After your loan is pre-approved, the first payment is the build deposit. This is usually paid from your savings or advanced by your lender and held in your lawyer’s trust account. This allows us to apply for the consents needed to start your build.
As each stage of the build is completed, your lender releases funds to you, which you then pay to Signature Homes. This process repeats throughout the build.
At the end of the build, you'll need to provide your lender with the council completion certificate (supplied by Signature Homes), a final valuation (if required by your lender), and proof of house insurance.
Once your home is complete, your loan can transition to a fixed-rate or floating mortgage—your advisor can help you choose what’s right for you.
We partner with the expert team at Success Avenue, who have been helping Signature Homes clients across the country secure the right finance solutions since 2017.
Their deep understanding of our building process, combined with access to all major lenders, means they can tailor the best financial option for your needs. Even if you're not quite ready to buy, the team at Success Avenue can help you build a solid plan to get there sooner rather than later.
New Build finance can feel complex—but with the right guidance, it doesn’t have to be. Here’s what you may want to know.
We work with expert new build finance advisors across our regions who understand the Signature Homes process inside and out. With access to all major lenders, they’ll help match you with the right finance solution to suit your needs.
A construction loan is paid out in stages as your home is built – these are called progress payments. You’ll usually only pay the interest during the build, which helps with cash flow.
Some lenders offer special construction rates, so choosing the right one can save you money.
Absolutely. Once your design is finalised, we’ll give you a fixed price contract with no hidden surprises. Everything is clearly outlined before we move into the build phase.
When you build with Signature Homes, you’re backed by New Zealand’s best building guarantees. From day one to well beyond move-in, your investment is protected every step of the way.
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