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Securing funding to build your custom home can become quite a headache; you may feel as though you're endlessly jumping through hoops while your future hangs in the balance. Not to mention, most banks now require a 20% deposit.

ZB Homes is here to help you cut through the bank's red tape and reduce the financial barriers that may have stopped you from building your custom home in the past. Supported by our trusted and respected partners - BNZ, Squirrel Mortgages, and NewBuild - ZB Homes has several great financing options for our customers to choose from. Just imagine: you can start building your new home for as little as 5% down. TURN KEY OPTIONS ALSO AVAILABLE!

For more information, please read further and contact us with any questions you may have. We'd love to hear from you!

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Here's a brief overview of what NewBuild can offer you that your bank may not be able to do for you. We specialise in getting our clients into a new home with less deposit, and less stress:

1. Your loan is a standard bank loan through Sovereign/ASB and your interest rates will be very competitive (they will often discount your rates considerably from those advertised).

2. Our lending criteria is unique to NewBuild (only available through NewBuild directly) and it helps many more clients get approved to build.

3. We will consider lower-deposit builds, even during the current Reserve Bank restrictions. On a case by case basis, many clients are approved with as little as 5% deposit* over house and land - including eligible Kiwisaver - any subsidy may also be used (but the subsidy does not form part of your minimum 5% deposit ) and we can use equity in an existing house. Relocatable homes, kit-set homes, de-constructed homes, Labour Only or Self Builds require substantially higher deposits. The Reserve Bank exemption permits new construction loans with a lower deposit.

4. If you own a home and want to retain it as an investment we may be able to use your home as security and fund 100% of your land and build. As specialists in this field, we can also help you structure your loan if you want to hold your existing home just long enough to start your build (so you only have to move once).

5. Our construction loan is fully managed, taking so much of the stress of building away from you.

6. Unlike most banks who require you to pay up to several thousand in valuation fees, NewBuild charges a one-off fee to fully "project manage" the financial aspects of your loan for $1,000, making your building loan less expensive in most cases.

7. We will allow you the option of not making construction loan interest payments until your home is completed - we call this "Client Turn-Key", so you don't have to pay rent and a construction loan at the same time. Your interest rates can be negotiated on completion, and Sovereign will often contribute to your legal costs. For an understanding of Reserves click here. Please note the Reserves are not NewBuild or Lender fees; they are additional funding reserves to ensure you have sufficient funding to cover your interest costs and any changes made to your contract along the way. All unused reserves belong to you.

8. We ensure you have additional funding set aside to help cover unexpected costs along the way, but whatever funds you don't use become yours at the end of your build to use as you wish.

Featured Projects


  • My partner Romy and I have nothing but praise for the way in which the entire home-building task was undertaken, and the professionalism and warm personal involvement by all those in the ZB Homes company throughout the process.

    For us the whole process, from the original meeting with Zane to discuss purchase of the section to the visit from Angie and Rochelle with flowers and goodie-basket to formally hand over keys and ownership papers for our new home, could not have been more pleasant. We are most grateful to them all.

    Kingsley Field

  • I just wanted to pass on my thanks to all of you at ZB. You have all been truly amazing to deal with, and my little house has turned out the most beautiful & perfect little thing.

    I truly couldn’t be happier, and if I had to do it all over again – it would be exactly the same

    The finishing is lovely, and I really appreciate you all bending over backwards in that last few weeks to get us in there.

    I would definitely recommend ZB homes to anyone I get chatting to who might be looking to build a new home. From start to finish its been fantastic – I am truly so pleased.

    Here’s to a fabulous future & lots of love, laughs & happiness in our new little home

    Thank you all so much.


  • My husband and I have currently built two homes with ZB Homes over the past three years. ZB Homes works closely with their clients and offer a top quality service. The workmanship of ZB Homes is exceptional - they deliver a high standard quality finish with all of their homes be it an entry level first home or a beautiful designer home. ZB Homes goes beyond the general call of duty for their clients.

    Rachael Beattie

  • We would like to thank ZB Homes and all who were involved in the build of our new home. Everyone was so helpful from the initial stage through to completion. The challenge of a less than level section required a lot of planning but once the build got underway it was completed very quickly and came in on time and budget. The management of the process from start to finish was great. We could not have asked for a more experienced and friendly team. They are committed to getting the best result for their clients. We are very happy with the experience we have had with ZB Homes and have no hesitation in recommending them to others.

    Bruce And Colleen Craig