Yes — we sure do! Our Rent-to-Buy option is designed to help more Kiwis get into a home of their own, even if they’re not quite ready for traditional finance.

It’s perfect if you’re building your credit history or don’t yet have a deposit saved. You’ll make affordable weekly payments while living in your new home, and once you’re ready, you can easily transition into full ownership through one of our finance options.

Rent-to-Buy gives you a clear path to owning your home — no banks, no endless waiting, just progress.

If you’d like to learn more or check if you qualify, get in touch with our team — we’ll walk you through how it all works and help you get started.

How Rent-to-Buy Works

• Available on homes $100,000 and under — this includes our 3m-wide range.
• You select your new home and enter a Rent-to-Buy agreement.
• You’ll make fixed weekly payments while living in your home, just like rent — but those payments go toward ownership.
• Over time, you build a solid payment record and credit history.
• Once you meet the finance criteria, your agreement is converted into a standard finance contract.
• From there, it’s officially yours — and you’ve already been living in it the whole time.

Rent-to-Buy is a practical way to get started when banks say no, giving you stability, structure, and a genuine path to ownership.

What’s the Difference Between Finance, No-Deposit Finance, and Rent-to-Buy?

• Finance (with deposit):
  The standard option. You pay a deposit, sign a finance contract, and own the home immediately. Best suited for buyers with stable income and good credit.
• No-Deposit Finance:
  Designed for homes under $100,000, this option lets you secure a home without an upfront deposit. You’ll need solid credit and affordability to qualify.
• Rent-to-Buy:
  Ideal if you’re working on improving your credit score or can’t yet meet finance approval. You rent the home while building a payment track record, then convert to full finance once you qualify.