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Finance for Transportable Homes & Modular
Builds

Yes, you can actually get finance for transportable homes.

Finance for transportable homes and modular builds is available in New Zealand, and with the right broker in your corner, getting approved is a realistic path for most buyers. Modspace works with a network of trusted lending partners who specialise in exactly this kind of project.

We’re the builder, not the bank, but we’ll connect you with the right people to make your build a reality.

Finance Your Transportable Home
Looking at Plans

Why You Need A Broker

Standard bank lending frameworks were built around traditional on-site construction. A builder breaks ground, and the bank can physically see what their money is being spent on at every step.
Modular and transportable builds work differently. The home is constructed in a factory, transported to your site, and placed on foundations. For a standard mortgage assessor, this different sequence and payment schedule can trigger an automatic decline.

Brokers Know How to Package Your Application

A broker who works regularly with modular home buyers knows how to present your application correctly. They know which lenders have products designed for prefab home construction, how to present progress payments made during a factory build, and how to handle more complex arrangements such as adding a secondary dwelling on family-owned land while keeping the home in your name.
 

Brokers Shop the Whole Market

A good broker doesn’t stop at one lender. They compare rates and requirements across multiple banks to find the right fit for your situation. In most cases, using a broker costs you nothing.

Why the Modspace Package Works in Your Favour

One Supplier

Finance for modular homes is easier when the builder delivers a complete package, and that’s exactly what Modspace does. A single contract with a fixed price and one supplier responsible for the entire project means lenders aren’t dealing with open-ended costs or multiple moving parts.

Built to Code

Every Modspace home is built to the New Zealand Building Code, and Council Compliance is part of our standard delivery. Lenders want a clear, documented build pathway, and that’s precisely what our process provides.

Our Trusted Finance Partners

Rustam Nomozov

rustam

☎ +64 27 731 1307

✉ [email protected]

📍 Based in Wellington and Auckland, serving NZ wide

Cody Subritzky

rustam

☎ +64 27 733 2782

✉ [email protected]

📍 Based in Kerikeri, servicing NZ wide

How It Works

1. Talk to Modspace first. We’ll prepare a ballpark cost with our most up-to-date numbers. Having pricing is one of the most useful things you can bring to a finance conversation, and most lenders will require a fixed-price contract before approving.

2. We connect you with the right broker. We’ll introduce you to one of our trusted lending partners who understands modular builds.
They’ll assess your borrowing capacity and prepare your application for the right lenders.

3. Your broker shops the market. Rather than a single bank decision, your broker approaches multiple lenders to find the best rate
and loan structure for your build. You get options, not just one answer.

4. You get your funds. Once your lending is confirmed, we can adjust your scope as needed and prepare a full proposal. You can take
this to the bank to have the funds released.

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Common Questions About Loans for Modular Homes

Finance

a

Do I need to own land before applying?

Category: Finance

Not necessarily. Some lending structures can account for land purchase as part of the same process. Raise it early with your broker so they can advise on the right approach for your situation.

a

What deposit will I typically need?

Category: Finance

Most lenders require between 10% – 20% deposit, but it will depend on your individual situation.

Ready to Start the Conversation?

Reach out to the Modspace team, and we’ll point you in the right direction. Your first step is a project consultation. We’ll work through your requirements, prepare accurate budget estimates, and connect you with the right broker for your situation.

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