Buying guide

NZ Construction loans: Everything you need to know (2025)

The Trade Me Property guide to financing your next build

Ben Tutty
Last updated: 28 August 2025 | 9 min read

How much deposit do I need for a construction loan?

How do construction loans work?

How to apply for a construction loan

You won't get far without finance.

How much can I borrow with a construction loan?

A closer look at construction loan progress payments

Types of construction contracts

1. Turn key

2. Build-only

The right loan can make building much easier.

A note on provisional costs (PCs)

Finding the right construction loan

Author

Ben Tutty Ben Tutty