Building a new home offers great benefits.
There can be better value, smaller deposits, and the chance to create exactly what you want. However, construction finance involves extra steps and different contract types that can be confusing. That’s where we come in.
At Vega, our mortgage specialists are experts in construction lending. We’ll guide you through every stage, explaining how lenders treat various building contracts and securing the best loan for your needs.
What do I need?
Construction loans often require less deposit (as low as 10% for first-home buyers), offer more flexible rules under RBNZ exemptions, and remove the stress of bidding wars by locking in a fixed price.
To qualify, you’ll typically need a sale and purchase agreement, fixed-price build contract, consents, valuation, and Code of Compliance on completion. No matter your income, deposit size, or build plan, we’re here to help make your dream home a reality.
Main Construction Options
Turn Key Contracts
Land and Build Contracts
Off-the-Plan Purchases
No matter your income, deposit size, or build plan, we’re here to help make your dream home a reality.
Ready to start your new journey?
