NZ’s Leading Tiny Home Finance Company
HomeNow Finance is a 100% NZ owned and managed company.
Home Now Finance is a New Zealand business built around one thing: specialist finance for tiny homes, cabins and relocatable dwellings, new or used. Tiny homes are the whole business here, not a side line, and every lending decision we make is built around that focus.
HomeNow Finance was established in 2024 to meet an increasing demand in the market for a lender that understood the tiny home market and the particular circumstances of tiny home ownership and land share. HomeNow Finance is New Zealand owned and as the ultimate lender is the decision maker on the loan applications. Our goal is to provide a pathway to tiny home ownership through our group product offerings.
Why Home Now Finance Exists
Banks are set up to lend against land and buildings as one package. Tiny homes work differently. The home can move, the land can belong to someone else, and the purchase looks nothing like a conventional house-and-section sale.
That gap left a lot of New Zealanders without a genuine route to a home of their own and no way to fund it. Home Now Finance was built to close it. We structure finance around the dwelling itself, so owning your home doesn’t have to wait until you own the ground it sits on.
Who We Help
Home ownership doesn’t mean the same thing to everyone. We work with people at very different stages of life, and we build the finance around where you are.
How We Work
Real people, real conversations. Alternative housing raises questions a standard bank call centre isn’t set up for. We are, and you’ll talk to people who understand tiny homes.
Responsible lending, done properly. We look at your whole picture so the finance you get actually works for your life, not just your application.
Clear terms in plain language. We disclose your actual rate and total cost of borrowing before you enter any loan, so you know exactly where you stand.
New Zealand based. A New Zealand business, built around New Zealand housing.
