If you're looking for a way to get into a transportable home but aren't quite ready for traditional finance, Rent to Buy can be a practical option. It gives you the opportunity to move into your new HouseMe while building your credit profile, with the goal of transitioning into a standard finance agreement later.

For many Kiwis, it's a stepping stone towards ownership.

What is Rent to Buy?

Rent to Buy (also known as Lease to Own or Consumer Lease to Own) allows you to live in your HouseMe while making regular payments under a lease agreement.

Unlike traditional finance, you don't need to qualify for a standard loan from day one. Instead, the programme is designed to help eligible customers establish or improve their credit position before moving into a conventional finance contract.

For people who may not yet qualify for finance, this can provide another pathway to owning a transportable home.

How Does HouseMe's Rent-to-Buy Work?

The process is straightforward. You move into your new HouseMe under a Consumer Lease-to-Own agreement and make regular repayments over the lease period.

During this time, you're building a positive payment history while enjoying your new home.

When you're in a stronger financial position and meet the lender's criteria, you may be able to convert to a traditional finance agreement and continue your path towards ownership.

Every application is assessed individually, so eligibility and outcomes will vary depending on your circumstances.

Rent to Buy vs Traditional Finance

Both options can help you purchase a HouseMe, but they suit different situations.

Traditional Finance may be right for you if you:

• Have a good credit history.
• Can comfortably meet lending criteria.
• Want immediate ownership through a finance agreement.
• Qualify for one of HouseMe's finance options, including No Deposit Finance on selected homes.

Rent to Buy may be better if you:

• Need time to strengthen your credit profile.
• Aren't currently eligible for traditional finance.
• Want to move into a HouseMe sooner while working towards ownership.
• Prefer an alternative pathway before entering a finance contract.

Our team can help you understand which option best suits your situation.

Can I Get No Deposit Finance Instead?

Possibly.

HouseMe offers a range of finance options to suit different budgets and circumstances, including our popular No Deposit Finance option on selected homes.

If you're eligible, traditional finance is often the most cost-effective way to purchase your HouseMe. If you're not quite there yet, Rent to Buy could help you work towards that goal.

Who is Rent to Buy Suitable For?

Rent to Buy may suit people who:

• Have steady income but limited savings.
• Are rebuilding or establishing their credit history.
• Want an alternative to waiting years before buying.
• Need another pathway into a transportable home.

It's not designed to replace finance, it's designed to help more people eventually qualify for it. 

Start your application today: HouseMe Finance Application

It only takes a few minutes to complete, and our team will be in touch to guide you through the next steps.

Why Choose HouseMe?

HouseMe has helped thousands of Kiwis into quality transportable homes across New Zealand.

Whether you're buying your first tiny home, adding accommodation to your property, or looking for a flexible housing solution, we'll help you understand the finance options available.

Our team will talk you through traditional finance, No Deposit Finance, and Rent to Buy so you can choose the option that works best for your circumstances.

Frequently Asked Questions

Does HouseMe offer Rent to Buy?

Yes. HouseMe now offers Rent-to-Buy through a Consumer Lease-to-Own programme.

Can I own the home straight away?

With traditional finance, ownership begins once your finance agreement is completed. With Rent to Buy, you'll begin under a lease arrangement, with the opportunity to transition into a finance contract when eligible.

Can Rent to Buy help improve my credit?

For many customers, making payments on time can help build a stronger financial profile, making it easier to qualify for traditional finance in the future. Individual circumstances will always vary.

Is No Deposit Finance available?

Yes. HouseMe offers No Deposit Finance on selected homes, subject to lender approval and eligibility.

Talk to HouseMe About Your Options

Every customer's situation is different.

Whether you're ready for finance today or looking for a pathway through Rent to Buy, our team can explain your options and help you find the right solution.

Get in touch with HouseMe today to discuss Finance, No Deposit Finance, or Rent to Buy for your new transportable home.

Ready to Explore Your Finance Options?

Whether you're ready to apply today or simply want to see what's possible, HouseMe makes the process quick and straightforward.

Our online finance application can help determine whether traditional finance, No Deposit Finance, or our Rent to Buy (Consumer Lease to Own) option is the best fit for your situation.

Start your application today: HouseMe Finance Application

It only takes a few minutes to complete, and our team will be in touch to guide you through the next steps.