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.

Learn more about construction finance.

When you sign your Building Agreement with us, the total cost to build your home is locked in.

No hidden extras. No unexpected costs. Just peace of mind.

Learn more about NZ's Best Building Guarantees here.

Most banks ask for:

• 10% for owner-occupier builds (or sometimes 5% if you're a first home buyer)

• 20% for investment builds

First home buyers may also get bank cash contributions to help with costs.

Using KiwiSaver?

If you’ve been contributing for 3+ years, you might be able to use it toward your deposit. Chat with your KiwiSaver adviser to make sure you’re in the right fund and ready to go.

Signature Homes offers New Zealand’s best building guarantees — designed to protect you at every stage of your build.

Discover all our guarantees here.

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.

Learn more about new build finance.

On average, the full process takes 10–12 months, including planning, consent, and construction.

The physical build usually takes 6–10 months, depending on your home design and weather conditions.

Our House & Land packages include everything you need to move in, from the home itself to the driveway, fixtures, and fittings.

Sometimes, to give you more flexibility, we leave a few things – like landscaping, decking, or window furnishings – up to you. If that’s the case, they’ll be clearly listed in the property details.

So you’ll always know what’s included, with no surprises.