Building or Renovating

How to get a mortgage for a New Build, Construction or Renovation Loan

We specialise in mortgage finance for all types of build loans for both owner-occupied and rental investment properties.

We have worked with many individual builders and franchise build companies throughout Auckland and understand how they operate.

We will walk you through each step of the build process and explain:

How each type of build loan is funded – 

  • Buying off the Plans & Turn-Key Build Contract
  • Land and Build Contract
  • Labour Only Build Contract
  • Renovation Loans
  • Re Clad loans

How the flow of money works – 

  • Land deposits
  • Build Contract deposits
  • Off the Plans & Turn-Key build deposits
  • Progress Payments & progress payment invoices
  • Final Payment requirements
  • How to minimise costs during the build

What information the banks will need for a build loan – 

  • Sale & Purchase Agreement
  • Build Contract & Builders Risk Insurance
  • Consented plans, permits, and specifications
  • Registered Valuations
  • New Title for the land
  • Code of Compliance for the build

What Types of Mortgages are Provided – 

  • Back My Build
  • Blueprint to Build
  • Deposits secured against existing property
  • Interest Only Progress payments
  • Interest Only mortgages for land purchase

The best part is my services to you are free.

I work as your advocate and ensure you get the best advice and mortgage for your situation.

I am only paid a commission from the bank once your mortgage is secured and has successfully advanced.


This is just a brief summary to give you an idea of what the process looks like for building a new home, building, and rental investment property, or renovating. If you are ready to get started or want to ask a few more questions, contact me today.


Following is a high-level overview of my services & how I can help you.

My role is to walk you through the mortgage process, ensure you get the right mortgage, and have a financially stable future ahead of you.

You don’t need to commit this to memory, but below is an overview of what my process looks like for building or renovating your new home:

Meeting and Chat

Every build or renovation proposition is different, so I take the time to understand you and your situation, so we can prepare the right supporting documents for the bank

Summary and Action Steps

I get it, it’s a lot to remember. After our first meeting, I will send you a summary that you can refer to at any time, plus a list of the action points we need to take to get ready for the next step.

A Home Buyers Financial Assessment

There are several hidden costs that come with building and renovating that may need to be financed. To ensure you are fully prepared for these costs we do a financial assessment to ensure all costs are included and then ensure you get the right finances in place.

New Build & Renovation Checklist

There are several important steps when undertaking a build or renovation. These are often time-sensitive and should be met to avoid delays. To help keep things on track, I offer a full checklist of steps and timeframes that need to be met. You will never be unsure of where we are in the process.

Set up for Mortgage Application Success

One of the biggest parts of my job is making sure your application is complete and attractive to the banks to approve the loan. Particularly with new builds & renovations loans. Often pre-approval is sought upfront to ensure funding is available for the project prior to undertaking completion of plans and apply for building consents.


Home Ownership Budget

Indicative home ownership budgets will be presented along with quotes for homeowners’ insurance to demonstrate that the budgeting for a new home has been well thought out and established.

Options for Deposits

First time home buyers are in a unique situation to utilize many different options to raise funds for a deposit. This includes grants, kiwi saver, family guarantees, and much more. I will ensure no stone goes unturned to find the best deposit option for you.

Existing homeowners may need to sell a property or use the equity in an existing property to obtain deposit funds.

This is just a brief summary to give you an idea of what the process looks like to prepare for a mortgage. If you are ready to get started or want to ask a few more questions, contact me today.