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Financing your dream

Helping everyday Kiwis realise their new home dreams.

Stonewood Financing

Construction Loans for Your New Build in NZ

Finance your dream home with ease through Stonewood Homes’ trusted partners, Colab Mortgages and NewBuild Finance. As New Zealand’s leading construction loan specialists, they offer tailored solutions for new build mortgages, including low-deposit options, interest-only payments during construction, and turnkey* financing. Start your journey with confidence and build your Stonewood home stress-free.

*Turnkey financing in NZ residential construction means you pay a deposit, the builder funds the build, and you settle with one final payment when the house is finished and ready to move into.

New build home under construction by Stonewood Homes in New Zealand

OUR DIFFERENCE

Why choose us

We’ve partnered with Colab Mortgages and NewBuild Finance to provide flexible and personalised construction finance solutions.

  • Lower Deposits

    Reserve Bank LVR exemptions allow deposits as low as 5–10% for new builds, making homeownership more accessible.

  • No DTI Restrictions

    New builds are exempt from Debt-to-Income (DTI) limits, potentially increasing your borrowing capacity.

  • Flexible Repayments

    Interest-only or capitalized interest options during construction delay repayments until your home is complete.

Stonewood Financing

Why finance your build with our partners?

At Stonewood Homes, we’ve partnered with Colab Mortgages and NewBuild Finance to provide flexible and personalised construction finance solutions. Both teams are specialists in new build lending and work closely with you and Stonewood to deliver flexible, personalized financing that suits your budget and build timeline.

Experts in New Build Finance
Specializing in construction loans, our partners manage progress payments and turnkey contracts, ensuring seamless funding for your Stonewood house design.

Low Deposits, Flexible Terms
Get started with as little as 10% deposit and enjoy interest-only repayments during the build to keep things affordable until your home is ready.

Turnkey Solutions
For turnkey builds, we manage the funding during construction, so you simply pay a fixed price when the keys are handed over.

End-to-End Support
From pre-approval to getting your keys, our partners handle approvals, drawdowns, and builder coordination for a smooth build process.

Wide Lender Access
From big banks to bespoke solutions, Colab connects you with the right loan for your build. NewBuild backs it up with 25 years of trusted construction finance experience.

Fast, Friendly Service
Time-sensitive builds demand quick responses. Our partners provide expert, approachable advice when you need it.

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empty nesters - Stonewood Homes clients

Benefits of financing a new build in NZ

Choosing a new build mortgage over an existing home loan offers unique advantages:

  • 1. Lower Deposits

    Reserve Bank LVR exemptions allow deposits as low as 5–10% for new builds, making homeownership more accessible.

  • 2. No DTI Restrictions

    New builds are exempt from Debt-to-Income (DTI) limits, potentially increasing your borrowing capacity.

  • 3. Flexible Repayments

    Enjoy interest-only payments during construction, with some lenders also offering capitalised interest options to delay repayments until your home is complete.

  • 4. Low Maintenance Living

    A brand-new Stonewood home means fewer repairs and more time to enjoy your space.

Featured designs

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Evoke

Pavillion 2.0 Hip

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Floorplan

DOWNLOAD OUR PLAN BOOK

Relax and Browse

Take a moment for yourself – brew a coffee, sink into your favourite chair, and explore our Origin Plan Book at your leisure. Inside, you’ll find over 400 carefully crafted home designs – each created with modern living, Kiwis’ lifestyle, and timeless style in mind.

View Our Planbook
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Frequently asked questions

Choosing a new build mortgage over an existing home loan offers unique advantages.

  • What is a construction loan in New Zealand?

    A construction loan is a mortgage for building a new home, with funds released in stages (progress payments) as construction progresses. It often includes interest-only payments during the build.

  • How do turnkey loans work for new builds?

    With a turnkey build, the builder handles the construction funding, and you pay a fixed price at settlement, making the process simple and stress-free.

  • Can I get a low-deposit construction loan in NZ?

    Yes, new builds often qualify for deposits as low as 5–10% due to Reserve Bank LVR exemptions. Contact our partners to check eligibility.

  • How do progress payments work?

    Funds are drawn down at key stages (e.g., foundation, framing, completion), coordinated with your builder to ensure smooth funding.

Get in touch with our team

Ready to finance your Stonewood home? Connect with Colab Mortgages or NewBuild Finance for a free, no-obligation construction loan quote.

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