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Construction & Land Loans
Planning to build your dream home or invest in a house-and-land package? At Secure Mortgages, we help New Zealanders secure the right construction and land financing—designed to support every stage of the build. From land-only purchases to staged construction loans, we ensure your loan structure is flexible, efficient, and cost-effective.
We work closely with builders, developers, and lenders to streamline your funding process and minimise surprises. Whether you’re a first-time builder or managing a new investment project, we’re here to guide you from land purchase to final handover.
Why Choose Secure Mortgages?
How does a construction loan work?
Funds are released in stages (drawdowns) as your build progresses. You usually pay interest only on what’s been drawn down.
Can I buy land now and build later?
Yes. We can arrange land-only loans and advise on future build finance when you're ready.
Do I need a fixed-price building contract?
Most lenders require a fixed-price contract to approve a construction loan. We’ll help you meet their criteria.
What deposit do I need for a construction loan?
Usually around 10–20%, depending on the lender and project. We’ll assess your profile and explore all options.
Can I use KiwiSaver for a house-and-land package?
Yes, if you're eligible as a first home buyer. We’ll guide you through the KiwiSaver and First Home Grant process.